Tuesday, February 25, 2014

$50 Sharebuilder Brokerage Bonus

Discount Broker Sharebuilder has a limited time $50 cash bonus for new customers, who open an account with the company. Check below for more details: ( Source: Sharebuilder)

New users should use Promo Code: 50TRADE

The new customer must open a new ShareBuilder Individual, Joint or Custodial account and place a trade to receive the $50 bonus offer. The account should be opened by 12/31/14. The trade should be done by February 17, 2015 using Promo Code 50TRADE.

The broker  limits one promotional award per unique Customer or custodial beneficiary. Unfortunately, this offer is not valid with IRA or Education Savings Accounts. The $50 bonus will post in your newly opened account within 7 days of your first trade. The $50 bonus is not available for withdrawal for 120 days after it is awarded to your account. Capital One ShareBuilder reserves the right to terminate this offer at any time and to refuse or recover any promotion award if Capital One ShareBuilder Inc. determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any term of ShareBuilder's Account Agreement has been violated.

For more information on this brokerage bonus deal, check out Sharebuilder website from this link.

Saturday, August 10, 2013

$200 Cash Bonus from Chase Checking

Chase is offering a $200 Cash Bonus to new customers who open a Chase Checking account by August 15, 2013. Check offer information below for more detail: (Source: Chase)

Offer Details

- Print this page and take it to your local Chase Branch or apply online using the coupon code below.
- Open a Chase Total CheckingSM account and set up direct deposit.
- Get $200 into your new Chase checking account within 10 business days after your first direct deposit is made.

For bank bonus deals, it is also very important to read the fine print.

Readers should understand that his offer is not available to existing Chase checking customers, or those who have had their Chase accounts closed within the past 90 days.

In order to receive the bonus you have to follow these three detailed steps:
1) Open a new Chase Total CheckingSM account, which is subject to approval;
2) Deposit $100 or more within 10 business days of account opening; AND
3) Have your direct deposit made to this account within 60 days of account opening.  The fine print specifies that a qualified direct deposit is one that comes from your paycheck, as well as pension or government benefits.

Once all the requirements are met, the cash bonus will be deposited within 10 business days.

However, it is also important to avoid paying fees. In order to avoid a $12 monthly service fee, customers need to do one of the following: ( the fee is $10 for CA, OR and WA)

Option #1: Have monthly direct deposits totaling $500 or more made to this account; OR,
Option #2: Keep the daily balance in your checking account at or above $1,500; OR,
Option #3: Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances.

For more information on this bank bonus deal, check out Chase promo page from this link.

Monday, August 5, 2013

How to Manage Your Finances as a Small Business Owner

As a small business owner, I have many responsibilities. The main ones are obviously managing the business, and making sure that customers are taken care of. Customer satisfaction is important, because it can result in repeat business and word of mouth advertising. In addition, by taking good care of customers, and ensuring customer satisfaction, I am differentiating myself from the competition. If I can offer quality to my customers, I know they will stick by me, and not worry too much if my prices are slightly higher than the competition. I also want to make sure I can compete well, by maintaining an open mind and continuing my professional education.

 The items I do not want to worry are my business finances. As a small business owner, I want to avoid paying too much for basic financial services. Luckily, free business banking is available for owners just like me. This allows me to avoid spending time looking for hidden fees, and focus instead of my company. The earnings I use from meeting my client’s needs are accumulated in my business savings account, until I find a project worthy of investment. This account is a central repository for all my business needs, and is the financial center of my small company. It is important to work with a financial institution you trust, which understands small entrepreneurs along the way. By building a strong relationship with your trusted bank, you would be able to leverage their product offerings to your advantage, and growing your business along the way. It is also important to keep the cash in your accounts under the limits insured by the state. In the US, accounts are insured up to $250,000.

 From my business savings account I then place the money in my retirement accounts. It is important to take care of yourself as a small business owner. If you do not pay yourself a salary when you own a business, but instead choose to reinvest it back to grow your enterprise, you are not doing the best for yourself.

 To summarize, it is important for small business owners to take care of themselves, by ensuring a sound financial footing. By managing their finances through reputable financial institutions, and building strong relationships with their bankers, they can manage to not only worry less about finances, but would also have a trusted advisor who can provide them with more options should the need arise.

Tuesday, April 16, 2013

How To Identify The Best Deals In Today’s Housing Market

The US housing recovery is opening the door for homebuyers to find affordable property across the country.  There are some states that reported a more prominent turn around than others, and some Americans are in the market for more than one property, depending on the region of the country.  In some cases, people are even looking outside the US for a getaway home in another nation, particularly a cottage in neighboring Canada.

You may be wondering how to find markets where housing is affordable, and how to secure a home loan in the post-recessionary world.  While access to credit is definitely tighter in today’s market than access four years ago, you can still effectively find ways to secure an affordable mortgage.

Homebuyers in the south and the Midwest will on average, find better opportunities to buy than in other markets.  States such as Nevada and Arizona were some of the hardest hit markets during the housing crash, which resulted in the value of properties plummeting.  However, with the housing rebound fully underway, homes in these very states are now more affordable than other regions across the country.

Due to the diversity of the housing recovery, thousands of Americans are using the internet to compare mortgage rates by state.  Online comparison websites proved particularly popular for personal shopping over the years, and the same online comparison process now includes personal financial products and services such as mortgages.  In only a few minutes of browsing the web, you can compare the best advertised mortgage rates from various providers to get the best deal.

If you are planning to relocate to a different state, online mortgage shopping is even more invaluable.  You can view the best deals in the region you are relocating to without having to set time aside to physically travel there for a negotiation.  Instead, the application can be done within your own home, saving you the hassle of back and forth discussions.

You may even be in the market for a second home, or looking for a location that serves as a vacation getaway.  For example, many Americans choose to get a cottage in Canada, as the Canadian wilderness and national parks are internationally acclaimed for their rich heritage and beauty.  The same online mortgage comparison can be completed using a Canadian affiliate website, which means you can save yourself the trip across the border and put in an offer on a getaway property without leaving your own city.

The housing market went on a traumatic rollercoaster ride over the last few years, and even with the recovery fully underway, people understand that the market will never be the same again.  But you can still find the best opportunities to buy at the most affordable options with a little help from the web.  The internet is a valuable tool for anyone who knows how to use it to their advantage, which is all the more rewarding when the tool helps you buy your dream home.

Monday, April 8, 2013

$50 Sharebuilder IRA Bonus

Brokerage Sharebuilder is offering a $50 bonus to new clients who open an IRA by April 30, 2013. Check offer below for more details: (source: Sharebuilder)

Offer Details:

1) Open a new ShareBuilder Individual Retirement Account (IRA) using promotion code SBFEB50IRA by 4/30/13.
 2) Deposit $5,000 by 5/31/13. Subject to restrictions listed below, ShareBuilder will add the $50 bonus to your IRA within 60 days of the qualifying deposit(s).
3) The assets in the IRA must stay there for at least 9 months

For more information on this brokerage deal, check out Sharebuilder promo page from this link.