Archive for August, 2012


Get As Much As 5% Cash Back with Citi Dividend Platinum Select VISA Credit Card

With so many banks vying for customer attention, many banks have stepped up by offering irresistible features and promotions on their credit cards. As of today, Citi Bank’s Dividend Platinum Select VISA credit card is one of the most famous cards in the market. So cards exactly makes the Citi Dividend Platinum Select VISA card different from other cards? Here is a quick view.

Fees and Rates

With the Citi Dividend Platinum Select VISA credit card, owners can enjoy a zero annual fee. Aside from that, individuals can enjoy easy installment on any major purchase because of the 0% introductory APR that’s available for as long as the first 12 months. A variable rate of 12.99-22.99% will be applied after the 12 month period depending on credit worthiness. A 0% introductory annual percentage rate is also applied with the balance transfers for 12 months and after that the APR will then be the same as the purchase APR. The balance transfer fees will be $5 or the usual is 3% of the transferred amount.

Rewards
Aside from great rates, the rewards of the Citi Dividend Platinum Select VISA credit card are also quite exciting. When the account owner will spend $500 during the first three months, he or she will be rewarded with $150. There will also be 5% cash back on car rental and airline purchases. And a 1% cash back on all other purchases using the credit card. With these rewards, credit card owners can truly enjoy spending with their credit card.


Mortgage Rates at Round Point Mortgage Company

A mortgage rate may seem like just a number but this number will determine how much you’ll be paying for your home. Before signing a mortgage contract with just any lender its important to know how well the lender will provide service and if their rates are updated.

A company that is known for its mortgage rates is Round Point Mortgage Company or RMC. This was established in 2007 for people to be provided with the right refinancing programs to retain their homes and eventually the company provided more mortgages for those who want to have their own houses. With the help and assistance of this company, many individuals and families have avoided foreclosure and have also gotten the home of their dreams.

Mortgage Rates

The mortgage rates at Round Point Mortgage Company are lower than what most other lenders are providing. Aside from that, their loan programs are low cost and those who will apply for it will be able to get  approvals on the same day once all requirements are passed, checked, and validated. Their customer service is also highly efficient with experienced personnel and thus it is very easy for them to personalize services that they can cater and provide to their clients. For their rates, the 30 year fixed term has 3.500% with an APR or annual percentage rate of 3.577% while for the 15 year fixed term the rate is 2.875% with an APR or 2.977%. They also have the 5/1 LIBOR ARM with a rate of 2.375% and an APR of 2.842% assuming that the loan for this rates is $300,000.

With these low rates, now is the best time to apply for a mortgage. Get a new home with Round Point Mortgage Company.


Preferred Checking Account Promotion at First Interstate Bank with a Free VISA Check Card

One of the best ways for people to make large payments is through checking accounts. This makes personal and business transactions so much easier because the ability to exchange money is possible even without cash on hand. Checking accounts are very useful to individuals who often need to transact in big amounts which is why it is vital to get a good checking account from a stable bank and with extra features.

First Interstate Bank is one of the leading financial companies that offers good choices when it comes to checking accounts. Not all checking accounts from other banks offer interest, however the preferred checking account from First Interstate Bank offers just that. This is highly advantageous because this means your money will continue to grow even if its stored in a checking account.

Features of the Preferred Checking Account

Basically, the account earns interest with a rate which is subject to change whenever the financial market shifts or changes. There will be no service charge when the client is able to maintain a $1,500 minimum balance in the checking account or will have $5000 or more in total in any First Interstate account whether in checking, money market, CDs, and savings. If the client or account owner will not be able to maintain these balances then he will be liable to pay $13 for the monthly service charge.

A free VISA check card is also given to the account owner. Plus there will be no charges to ATM use as well as telephone banking. Online banking and bills payment is also available to account holders. Electronic statements and free checks will also be given regularly. For those who prefer different check styles, a $5 discount will be available.

Interested individuals can apply at any First Interstate Bank branch.


Invest in CDs for As Short As 7 Days With Grand Bank’s Certificate of Deposits

One of the reasons why people hesitate to invest in Certificates of Deposit is because of the long lock in period depending on your term. After all, you never know if you’re going to need the money. But now, people need not worry about having to lock in their cash for extended periods because it’s now possible to invest in a CD for as short as 7 days.

One of the banks offering CDs is Grand Bank.  This bank has been considered to be one of the fast growing financial institutions in the nation since they are known to provide quality services to its customers as well as catering and helping people to solve their financial issues. Indeed, those who want the best rates for certificate of deposits can find it in this bank.

The latest terms and rates by Grand Bank are competitive and well updated. For those people who want to open a shorter term such as 7 to 30 days, the minimum amount to apply is only $1,000. The interest rate for this term is 0.19% with the same percentage for the annual percentage yield or APY. With the same minimum amount, the rate and APY for the 3 months term is 0.25%. For the six months term, the rate and annual percentage yield is 0.70%. On the other hand, for the longer term such as the one year CD the APY and interest rate is 0.70%. And 0.75% is for the 18 months term. Lastly, those who will choose the 48 months term will have a rate of 1.34% with an annual percentage yield of 1.35%. These are just some of the certificate of deposits’ terms that people who are interested can possibly choose. For those who want to put their money in banks then a CD is the right solution for them.


Guaranteed Rates at Citibank’s Certificate of Deposit with your $10,000 or Less

If you have $10,000 or less in extra savings then it would be a better idea to invest your money in a certificate of deposit than just a regular savings account. There are many banks that offer good rates for their customerto and Citibank is certainly one of those banks. Citibank is a solid bank that has been providing quality financial services to people. The services they provide include savings accounts, debit and credit cards, mortgages, loans, checking accounts, and many more. Citibank is a leading bank globally with 200 million client accounts and it does businesses in over 160 countries. This proves the near infallible system that the bank has established for itself.

Citibank’s certificate of deposit is a great deal for those who have amounts of $10,000 and less. People will be assured of competitive CD interest rates whether it is for short or long terms.

How it Works:

First, the interest rate of the CD will be paid on a monthly basis or at maturity if the term is one year or less but for those certificate of deposits with terms of more than a year then the interest is really paid per month. And lastly, the CDS are renewed automatically after maturity and thus the owner of the CD will be able to choose whether he or she would want to renew or even select another term.

Rates
As of today, those who will be choosing the three month term will have an interest rate and APY of 0.15%. For the 7 month term, the APY and interest is 0.20% while for the one year term, the interest and annual percentage is 0.25%. These are just some of the rates and terms that people can choose from.


The Best Guide to Using Mint to Manage Your Personal Budgets

When it comes to your personal budget, the best way to be successful is to make data entry and keeping track of your every purchase as simple and easy as possible. The days of excel spreadsheets and entering every card transaction by hand are done, welcome to the world of Mint.com.

This program offers the most simple and efficient method for the individual or small business owner who is serious about budgeting and wants to track their spending in an effort to save. In a few easy steps, using Mint, you will be able to view all your income and purchases instantly, linking all accounts, for an accurate and up to date view of your current financial situation.

Having your information all in one place helps you to better be able to strategize your spending and saving. Nothing has made this easier than Mint.com; here is how to use it.

Set Up

During this first stage of setting up your Mint.com Profile, you will be given information from all of your personal finance accounts linked to your Mint account. The information from each one of these will go back up to a year and will be used to help to track your spending and will be what you use to create your budget.

During this initial set up, you will need to take the time to categorize your spending and label it accordingly. Mint will automatically assign purchases to different categories based on the type of business conducted, you then have the option to go in and sub-categorize and get more specific with the details attached to each account. The more specific you get, the better you will be able to see where exactly you are spending the largest chunks of money, where you can cut down and which items can be used as deductions from your taxes. It is all there, present in the details.

Creating Budgets              

Mint will automatically generate a few default budgets for you based on the categories you have selected and your spending history. Once you take a look at these, you can decide if you would like to change them in any way to include more subcategories, or exclude ones as well. You can customize these budgets any way you want simply by using the edit details feature. You can also create new budgets as well, as many as you like to track all areas of your spending.

Once you have your budgets created, you should be able to step back and let Mint.com do the rest for you. Every purchase you make using your cards or PayPal, excluding cash of course, will be automatically updated in the system and tracked in your budget to keep all information current. As you progress monthly, so will your trackers, changing from green to red as you get close to your allotted amounts, or overspend. At the end of the month, you will be given the option to roll over any unspent amounts to the next month. Again, you have the ability to customize your account any way you like.

Alerts

Once you have all of your initial set up completed and all your desired accounts have been linked in, and your budget is set, you can have the software email you an alert for a number of different reasons. You may want to be notified if you go over budget, or you spend more than is usual for you in a certain category. You can customize this however you like as well to receive as many or as few notifications about your account. This can be particularly helpful in a society that for the most part, does not write each purchase in a balance anymore. You can be aware if your accounts are too low and avoid unnecessary fees associated with overspending.

Stay Connected

If you have an iPhone, you can download the Mint.com app for free and manage your accounts in the palm of your hand, anywhere on the go. The app has most of the features that you find online and you can add or subtract accounts and edit information from just about anywhere. The app also has special tips for it’s users, based on your spending, you may receive suggestions on how to save money in different areas, tips on consolidating debt and reducing your overall spending in general areas.

The app also allows you to view new alerts and information as it is updated to your account and offers to send you push notifications in many different instances, again, these options are also up for customization.

Jennifer Ricci works with students and their student loan questions for Cedar Education Lending. When not talking with a student she finds time to write personal finance articles for some of her favorite blogs.


Checking Account Promotion at Northrim Bank: No Maintaining Balance

Checking accounts make large payments easy that’s why it’s important to have an account with a bank you can trust. Since not all of us access our checking accounts everyday, it’s best to get one that doesn’t require a maintaining balance. This can be rare, however Northrim Bank is offering just that.

Northrim Bank’s headquarters is located in Anchorage, Alaska. They have been providing quality customer services  such as loans, mortgages, savings, checking, and a lot more. They are committed in making sure that all their customers will feel prioritized. With the services they have such as the checking accounts, they then make sure that they offer good promotions that clients will grab.

The Simple Checking Account

Right now, Northrim Bank has the SimpleCheck or simple checking account. What are the advantages included in the promotion? For one, it has no requirement for monthly minimum balance. This will definitely help those checking account owners who are tight on requirement may need to withdraw their full balance on certain occasions. Another is that it does not have an account service charge and there is no per check charge. With these, owners of the checking accounts will be able to save up some money in their own pockets.

Other features included in the account are: a Visa check card with possible cash back rewards, online banking with text and mobile alerts and online bills payment with statements. And the last is a fee free Money pass and Northrim network ATM transactions. With these features, people will really be enthusiastic about it and thus for those who are interested, they should apply for it now.


Direct Lending with The Money Store

Everybody in this world wants convenience. And that certainly applies to getting a mortgage. People who want to buy and finance a house would want the easiest way to make it happen which is why many would choose to go to a lend that offers the best services as well as the most affordable mortgage rates available in the market.

A company that is known to be synonymous with mortgages for almost 40 years is The Money Store. This is a federal trademark registered company of MLD Mortgage Inc. The Money Store is known in the nation as one of those companies that have the lowest rates in terms of mortgages. They have revolutionized the industry by their “common sense” approach and good partnership with their customers.  With their excellent customer services, their clients have indeed trusted them well enough.

The current mortgage rates they have are good opportunity for people to gra. With their 30 year fixed term, the rate is 3.500% and the annual percentage rate or APR is 3.576%. For the 15 year fixed, the rate is 2.875% with an APR of 3.046%. On the other hand, the 5 year ARM rate is 2.875% with an annual percentage rate of 3.234% while for the 7 year ARM; the rate is 3.250% with an APR or 3.336%.

For those people and families who want to apply at The Money Store, they will most likely get a good rate and they will also be well informed throughout the whole process especially in terms of the usual payments and fees.


Great Rewards with Capital One Cash Credit Card

Tired of using your old credit card? It’s time for you to shift to a new level. Why not try Capital One’s cash credit card? This card offers competitive rates plus refreshing features on its rewards system.

Capital One Cash Credit Card: Rates

Before anything else, let’s talk about the rates. In terms of the annual percentage rate or APR for purchases, it is 0% intro until August of the year 2013 and after that time it will then be 12.9%-20.9%. For the transfer APR, the intro rate is also 0% until 2013 with the same variable APR as the purchase rate. Annual percentage rate on cash advance is 24.9% variable and the grace period of this card is 25 days on all purchases. And lastly, there is no membership fee.

Key Benefits and Rewards

Those who will have Capital One cash credit card will be able to enjoy and make use of a 50% bonus on all the cash backs the owner will earn each year. He or she will also have 1% cash back on the purchases he or she will make. The best thing about this is that thon points earned will be unlimited and will not expire. And the most important factor to remember is their one-time $100 bonus when the account owner will spend or use $500 during the first three months. So those who are always using the card will really be able to earn the bonus and eventually spend it.


Getting to Know the Jump Up CD at Northrim Bank

Are you interested in getting a certificate of deposit instead of just keeping your money in a regular savings account? If the answer is yes, then you definitely should go ahead and do it. Investing in CDs is a great way to grow your money because it’s safe, secure and it also offers a fixed interest rate which offers guaranteed returns. There are a lot of banks that can provide the best rates when it comes to CDs but one of the banks that gives satisfactory returns is Northrim Bank.

All About Northrim Bank

Northrim Bank is located in Anchorage, Alaska and is committed to providing its customers with first class service. Businesses, professionals, as well as individuals that need guidance with regards to their finances can find advise and quality service in Northrim Bank. Those who are located in Alaska and who are interested in applying for a certificate of deposits or CD should be open in doing it at this bank.

Certificate of Deposits

One of their well known CDs is the Jump Up CD. This is a good choice for those who would want to increase their earnings as interest rates will also rise. For those who will be selecting the one year term then the APY or annual percentage yield is 0.20%. The 18 months term will have an APY of 0.25% while 0.30% is for the 2 years terms. The last in this kind of CD is the 3 years term with an annual percentage yield of 0.40%. And the minimum amount to open such certificate of deposit is only $500. Next kind is the regular CD which is a good choice for those who will be choosing a shorter term. There is also the Alaska Certificate of deposit which is good for those who have bigger amounts to save.

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