Savings Account at Emigrant Direct.Com

I love this site for stashing away some extra cash for that rainy day and so should you!   You can have money transferred directly from your own checking account which is very easy to do online.  So go ahead and check it out.

Start out small then set up an automatic draft for say 25.00 month or more and just watch it add up.  But remember this is your rainy day fund or perhaps you Christmas fund ...who knows.  I like knowing I have a little cash tucked away for those hiccups that come along once in awhile that can really throw you for a loop.  You will have to wait about 3 business days to get the money transferred back into your checking account but to me that is not a problem and again you never know you might just decided you really didn't need it after all.

Go ahead see what your current bank is offering in the way of interest and I bet it won't be as high as Emigrant Direct is offering.  Right now it is at  0.80%  APY and that's better than my bank Chase I am sure.
  
       High Interest Savings Account Highlights Emigrant Direct

• No Fees. No Minimums.
• Open your high interest savings account online. It's quick and easy.
• No need to change your checking account. Your AmericanDream SavingsAccount™ will be linked to your current checking account.
• Up late? Access your high yield savings account 24/7 at EmigrantDirect.com.
• Have a question? Visit our online banking FAQ page.

 In fact I couldn't even get Chase to tell me what the APY is ...oh wait I called back and they wanted my name full name...grrrr I didn't give it only my first name...what state I was in and if I had a checking account they wanted that too, I did not get them my checking account info I did give the State then she asked was it North Texas I said yes finally got an 0.50% APY .  That was like pulling teeth just to get that information and me trying to explode on this lady, in fact the second person I had to talk to just to get the freaking APY.  Can we say O.M.G.!!!

It almost makes me want to change banks because every time I call just to get a bit of information they give me the 3rd degree.  What happened to customer service and just answering a customers questions.  And if your going to ask me a bunch of what I think is unrelated questions then tell me why you need that information.  How will that benefit me in the long run.  It makes me think that if you see I have a small checking account you will give me a smaller APY?  What the heck.  Who knows why all the questions because know one told me how it would benefit me and that might have helped me be not so aggravated with the 3rd degree.

Anywho....just check Emigrant Direct out see if it's a good match for you.  Happy Savings to all.

Food Prices Getting The Best of YOU?

I have started using coupons and stockpiling and it has paid off big time. If you use to use coupons and then just stopped because you just didn't think it made a big enough difference...then you might want think again.

You can save a lot of money if you know how to do it! Oh, I know you think it's a lot of trouble or time consuming. Well, it can be if you do it alone. So in my recent quest to save money I have found a site called SavingsAngel.com

This is a wonderful site that will walk you through everything you need to know. It has fabulous tutorials and videos to teach you what you need to know when it comes to saving money on food and other things your family needs and uses everyday. Once you see how easy it is you'll wonder why you hadn't found out about this sooner.

What if all you had to do was buy a Sunday paper for each person in your household....for me that's 4 papers with 4 sets of coupons inserts. Then all I have to do is go to my SavingsAngel.com and plug in the stores I shop at to see what's on sale and what I need and it tells me what Sunday paper insert a corresponding coupon is in for that sale item and I just go to my handy file and look for say Sunday 2/20/11 (RP, SS, P&G, GM, Unilever) that's RP (RedPlum) SS (SmartSource) P&G (Proctor&Gamble) GM (General Mills) and so forth and then cut out the coupons. Yep, I don't cut coupons until I am ready to make my list and go shopping. But that's not the only source for coupons. There are plenty of good online sources for printing off internet coupons to use at the grocery or pharmacy type stores and yes they will take them.

To get the most bang for your buck is when you use a manufacturer coupon with a store coupon and the item is on sale. Or manf. coupon, store coupon, sale item and with stores like Walgreens, CVS, RiteAid and a few other they have rewards on top of all everything else. And with the money you save you can use that for things like your produce, meat or dairy items that may not have coupons available.

My last trip was to Target recently. My total bill before coupons or anything else was $119.72 but I only paid $84.00 that's a savings of $35.72. I don't know about you but for a savings of $35.72 I will continue to use coupons. I have had other trips that were better but not all trips will save you like they show on TLC extreme couponing where a the person walks out only paying 1.02 for hundreds of dollars worth of groceries. Don't get me wrong it can be done but it's not an everyday occurrence but makes for good TV.




Always be sure and check out all the benefits a store may have to offer because you might miss out on something great like Kroger's .10 cents off a gallon promo or Target with their extra 5% off all purchases using their Target credit card or Target debit card. For that last trip to Target using my Target debit card good only at Target I get an extra $4.40 off my bill. I was excited about that and my trip before that to Kroger netted me the .10 cents off a gallon on my gas my bill was $305.10 and I only paid out of pocket $152.61 and I had two shopping carts for their big Dayton 500 sale and boy it was a good one!

So rethink the using of coupons and start saving money and yes stockpile a bit you don't have to go over board but with tough times it's time to saving cause honey the rainy days are here!

Be sure to check out SavingsAngel.com for wonderful tutorials and shopping lists they teach you everything you need to know about saving money on your groceries hands down the best site around. And you can even get your own subscription free just by referring others.

You can even get 30 days free please check it out and if not satisfied get your money back it's as simple as that. Be sure to use My Affiliate No.#: 37383

Click HERE to cut your grocery bill in HALF! 30 days FREE!

Happy Savings to all....

Interesting Site....Looking for a New Bank?

I was surfing the net as usual trying to find you more ways to help you Prosper and I found a good one. With the economy is a slump and people losing money left and right wouldn't it be great to find a Community Bank that gives a high return on your money and all you have to do is meet the monthly requirements which are so do able.

You'll wish you had found this site sooner rather than later. These are just stable institutions offering the best checking accounts! Just visit the site and:

1. Search for a bank or credit union Nationwide
2. Review and compare
3. Open ...well that's up to you
4. Tell your friends about this great find!

Wow! How's that for helping you Prosper in these troubling times?

Here’s some good news you may not have heard about financial institutions. The majority of community banks and credit unions are not only stable, but they are still lending and fully insured by the FDIC, NCUA or ASI.

Unlike the large commercial banks, most community financial institutions have avoided unsafe lending practices. My question to you is are you with one of those large Banks? When you stay the course and continuing to support local individuals and small businesses, community banks and credit unions are largely unaffected by the downturn in the economy. In fact, many of them are in a position to be the “go to” choice for financial products and services.

In a time where it’s hard to feel safe about your money, the community financial institutions on CheckingFinder.com can provide some much needed relief. After all, their sound lending practices and product innovation are what set them apart.

It's about time to feel could about banking again wouldn't you agree?

So, pull that money out from under the mattress, it's time to put it where it will do you the most good.

This is Dianne In Texas bringing you another great find. I found one near me offering 5.02%APY....wooo hooooo!

Just Wanted to Say Think 3rd Party When You Vote!

Hi everyone this is Dianne and I voted early yesterday in my city which is about 77,737 when I recently check. My voting experience was great for early voting.

The voting officials had the lines moving like a well oiled machine. I got there and of course there was a line and I started to turn around and leave but I didn't. It moved quickly and once at the point of about 20 people there was an voting judge at this point who said paper or electronic. You know I picked paper! I ain't letting no machine change my vote no way no how. Yes I used the word ain't get over it.

I voted for Mr. Ralph Nader and Matt Gonzalez, yes I did I wrote them in...easy as pie. And they had them listed there in the voting booth. So do not forget to look at it please.

My Mom said why would you waste your vote. To her I said, why would you waste your vote on a Republican or Democrat? Albert Einstein was credited with say, Insanity is doing the same thing over and over again and expecting different results.

All the republicrats have done is give us bigger government, ignore the bills of rights and the constitution. Those are not what I want. I want change and not the pennies that would be left in my pocket if I had voted for either Mc Cain or Obama.

I want a 3rd party to get in Washington and kick some ass for the stupidity that's going on there.
People aren't you tired of the crap ...wake up there are more than 2 choices when voting.



The boredom I am referring to is all the crap spewing from the mouths of the Republicrats.
And forgive the stumbling of words as I didn't have time to do a retake.

GO VOTE ON NOVEMBER 4TH 2008!
VOTE, MAKE A WISE CHOICE, IF ENOUGH OF US USE OUR HEADS WE JUST MIGHT GET SOMEWHERE.

Neither the Democrat Nor the Republican If You Please
By Dianne P. 10/20/08

Neither a Democrat nor a Republican if you please
For either of these shall never please,
The you and I of These United States
For if they win they hold the keys to our future fate.
Oh my I fear that if either does win
They will sure as hell do us all in.
Alas I know I shall never vote
For neither of these men happen to float my boat.
Try as might to find that ray of hope,
Again I say they dont float my boat.
Neither here nor there, nor anywhere
Can I see a star that will take us very far.
So my quest for the best is limited as we all know,
So I guess I shall pick the least of the foe.
I see Ralph Nader who looks like a guy,
That doesn't promise all that pie in the sky.
All I hear from those two are that we need a change,
But they never tell us anything new, now isn't that a shame.
They yell we need CHANGE but never tell us how.
They stand there like nothing more than mooing cows.
He did this and he did that won't get us anywhere very fast,
I hope they both soon run out of gas.
So as the day draws near to casting our votes,
I hope you pick one that will keep us afloat.
I like that man Nader who's low in the polls,
But we might just want to see how this all unfolds.
Oh and lets not forget we can take our pen,
And even write someone else in.
So on Nov. the 4th wont you please take a stand.
For if you and I vote we might save this land.
I am proud to take part in this great epic event
Where we shall reap what we sow and
I don't want to be one that voted for the foe.

For the knock at the door is the New World Order
And I am shaking in my boots and all I can do is shutter.
I saw No the N.W.O.
Not on my watch you nasty FOE!
Please oh please, vote with your best judgment
Our lives are in our hands and we must have atonement!
So if we listen quite closely to our little inner voices
They will tell us there are more than just two choices.
Now that I'm done I hope I made you laugh and cheer,
For we need a good President who will know no fear.
He will speak out to injustice and right the wrongs.
He will make heads roll who dally to long,
In making decisions, that affect us all in this our great Nation.
Now God bless us all in our own frustrations.
For WE seek only to vote without hesitation.

Please get out and vote this November 4th
It's our right, it's our duty, and its OUR decision!

10-20-08

Thank you for reading this post and if you truly think the person your voting on will do you right then vote for that person. I just want people to know:

YOU HAVE MORE THAN JUST TWO CHOICES FOR PRESIDENT!!!

How to Get Uncle Sam to Pay for Your Home Business

How you can prosper with your own Home Based Business by learning how to take advantage of tax saving. Why have a home based business if your not going to use tax savings that are available to you? Keep track of your spending, milage and anything else associated with your home based business...you owe it to yourself. You worked hard for what you earn! So don't turn around and just let the IRS take what is legally yours...your money!

Perhaps this video will help you understand how you can keep more of what your earn.

Ron-Mueller---Home-Business-Tax-Savings - Hosted by Putfile.com

It's how MUCH you KEEP that COUNTS! Not how much you Make!