BudgetCents.net | Tradeking Promo

ING Business Savings Account

BudgetBoy — Fri, 06 Nov 2009 12:30:41 +0000

ING has recently been offering a Business Savings Account that has the same look and feel as their Personal Online Savings Account.

The rate is currently 1.15% for any balance. There are no minimums or fees. Sure you say 1.15% isn’t that much, but to find a Business Savings Account that has no fees or balance requirements that gives any kind of interest is very difficult.

You can link one business checking account to your business savings and make ACH transfers from and to that account and your ING Business Savings account. You can also have 3 authorized users that have access to the account. Another cool feature is that if you have a ING Orange Savings account, you can quickly access your Business Savings Account by selecting the company name in the “Go To Account” drop down box. This “Go To Account” drop down box will appear once you Business Account is set up. There is also a drop down box in the Bussiness Account screen that lets you quickly go to your Personal Orange Savings account.

If you have a small business and want somewhere to stash your cash and want to make a little return on it, then you should definitely look into opening an ING Business Savings Account. Even if you don’t have a lot of money coming in from your business, with no fees and no minimum balance and easy access to move cash in and out, it is a nice account to have open just in case.

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Latest Hot Brokerage Promos

BudgetBoy — Thu, 05 Nov 2009 12:10:41 +0000

Now that the market has turned around online brokerage promotions are popping up all over the place to get you to open an account. Now is not a bad time to start investing since the market is still of its highs from last year but has rebounding quite a bit as the DOW is now at 10,000 again. If you are investing in the long term, now is the perfect time to get going. If you have some extra money to invest I suggest you look at one of these promos prior to signing up with anyone.

Here are a few of the current ones going on:

Tradeking Promo – Get a $50 bonus when opening a new account (see post for more details)
Optionshouse Promo – Get 100 free trades when you open a new account, with $2.95 flat rate stock trade commisions. (see post for more details)
ETrade IRA Promo – Open an ETrade IRA and get 100 free trades. (See post for more details)
Zecco Promo – Zecco brokerage gives you Get 10 free stock trades every month if you $25,000 balance or make 25 paid trades each month. Otherwise the commission is only $4.50 / trade which is one of the lowest out there. (See more details here
OptionsXpress Promo – OptionsXpress is giving away $100 when you open a new account with them. (See post for more details)
Firstrade Promo – Firstrade is giving away 5 free trade when you open a new account. (See post for more details)

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$100 Bonus from Chase Sapphire Card

BudgetBoy — Mon, 02 Nov 2009 11:20:03 +0000

The newest rewards card from Chase, the Chase Sapphire Card, has a $100 sign up bonus when you open an account and make your first purchase using the card. After your first purchase you will receive a 10,000 point bonus. You can redeem 2500 points for $25 which gives you an instant $100 bonus. You should receive the points in your account 6-8 weeks after making your first purchase.

The Chase Sapphire card is a no annual fee rewards card that gives you 1% cash back from purchases. Your rewards points never expire. The thing that makes this card unique is that you can redeem the rewards in $1 increments once your total balance is greater than $25.

The Chase Sapphire Card also gives you double points when you purchase airline tickets through Chase’s Ultimate Rewards website. There is also a complimentary Personal Concierge Service where you have 24 hour access “to get restaurant recommendations, help you find the perfect gift and more”.

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Optionshouse Promo 2009 Get 100 Free Trades With New Account

BudgetBoy — Sun, 01 Nov 2009 18:06:32 +0000

There is a new Optionshouse promotion where you can get 100 commission free trades when opening a new account. To qualify for the Optionshouse bonus, you must open a new account with $3000. You will then receive 100 free trades that can be used within 60 days of opening your account. Make sure you fund your account with the $3000 within 45 days of your account approval. You must use the promo code FREE100 when during the account opening process.

Optionshouse is a full service discount brokerage that specializes on options, however they have the lowest stock commission I have ever seen. They let you trade stocks for a flat rate of $2.95 per trade. Optionshouse is also protected by SIPC insurance. SIPC will cover the securities of customers of its members up to $500,000 of which $100,000 can be cash. This protection does not cover loss due to market conditions however.

I have never used them personally, but with such a low stock trading commission I may consider them as an option for my trading account.

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$50 Tradeking Promo Ends Saturday

BudgetBoy — Wed, 28 Oct 2009 10:46:18 +0000

EDIT November 2009: This promo has been extended until November 30th.

If you still want to get in on the Tradeking Promo where you can get a free $50 when opening an account and making a trade, this is your reminder the last day to open the account in on October 31st, which in fact is Halloween. So before you get all scarried up and beg for free stuff, open that account now.

So while you are getting that free candy, why not get some free cash as well. Check out the tradeking promo page for more details.

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Another Woot Off Going On Now

BudgetBoy — Wed, 28 Oct 2009 10:27:41 +0000

Woot.com is having another of its Woot Offs right now. It started around midnight central time and will go until they run out of stuff. If you are unfamiliar with Woot.com, they are a site that offers items at a discount. Usually only one item is listed per day starting at 12am Central Time and is listed until it is sold out or 11:59PM Central Time.

A Woot Off, which happens rarely, is a number of products that are for sale on a particular day or successive days. One product follows another as soon as it has been sold out. The number of Woot-Off items, sequence, and quantity will not be announced so an item could take a while to sell out or sell out immediately. Don’t miss a chance to score some items at a steal if you have some money to blow! But remember, that I prefer you really think about saving it.

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Save Money When You Rent College Text Books

BudgetBoy — Fri, 23 Oct 2009 11:49:43 +0000

For any of you that are in or have gone to college, you pretty much know that after paying tuition, books can be another huge expense. Lets face it, the greedy authors rewrite the same book year after year to force you to buy a new edition with little chance getting a fraction of that cost back when you trade in your books at the end of the semester.

Well I came across this interesting company Chegg.com where you can actually rent college textbooks for a fraction of the cost of buying them in the college bookstores.

Here is an example of a chemistry book I had at college. (Taken from Follets.com)

Now take a look at how much it costs to rent that same book at Bookswim:

That is a savings of over $44 for a semester rental. Wow I wish this place was around when I went to college. I think I only got $15 back when I returned my new chemistry book. They also offer longer period rentals if need be, and when you are done with the book, you return it to them vis UPS for FREE. All of this with a 30-Day “Any Reason” guarantee included makes this one a no brainer, especially if you no longer have the need for the book once you are done with the class.

Trying to find cheap college textbooks was always a priority for me. I used to check the prices at all the store and went with the lowest one. This site would have saved me hundreds if not thousands over my 4 years of school. For any of you starving college kids, you should definetly check out Chegg.com. Just think of all the money you can save to spend on more beer!

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$50 Bonus from Chase Freedom Card

BudgetBoy — Wed, 21 Oct 2009 11:17:02 +0000

The Chase Freedom Card is one of Chase’s best reward credit cards. It gives you back a flat 1% on all purchases like most reward cards out there, but also gives back 3% on rotating categories that change over time. You can even go a step further by getting up to 20% cash back when you buy from merchants online through Chase.com.

Chase is currently giving away a $50 cash back bonus after your first purchase using the card. All you have to do is Apply Now for the Chase Freedom(SM) credit card and make one purchase with the card to qualify. The bonus will be posted to your account 6-8 weeks after that qualifying first purchase.

Depeding on your credit rating you can also qualify for a 0% ARY on purchase for up to 12 months. If you are looking to upgrade to a new rewards card and get a little free cash along with it, then why not Apply Now for the Chase Freedom(SM) credit card

Originally Posted At: Budgetcents.net

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No 2010 Stamp Price Increase

BudgetBoy — Mon, 19 Oct 2009 11:07:38 +0000

What does any company do when they are bleeding money? Well raise prices of course. But interesteringly enough for the cash strapped United States Postal Service, they have decided not to increase stamp prices in 2010. So that means your forever stamps aren’t going to increase in value this year. According to the USPS:

The Postal Service will not increase prices for market dominant products in calendar year 2010.

Simply stated, there will not be a price increase for market dominant products including First-Class Mail, Standard Mail, periodicals and single-piece Parcel Post.

I think the USPS is on that catch-22 of needing to make more money since consumer mail revenue is down, but raising prices will drive that down even further. There are talks on the books about closing some 3500 post offices and laying off non essential employees. It is good to finally see the USPS run like a real business and tightening its belt rather than gouging customers.

I personally use them for shipping when I sell things via eBay. They have a free package pickup where your postal carrier comes to your door to pick up your package. Can’t beat that as UPS charges $4 per pickup and that doesn’t include the shipping costs. I also buy nothing other than forever stamps, I mean why not they are the same price and they insulate you from having to use 1 cent stamps when stamp prices do increase. And I hate 1 cent stamps!

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2010 401k Roth IRA contribution limits

BudgetBoy — Sat, 17 Oct 2009 03:10:15 +0000

With the econonmy in the crapper everyone was afraid that the IRS was going to lower the 2010 401k and Roth IRA limits. But when the IRS finally released the 2010 numbers everyone, including myself, was happy to see that they kept the limits the same as 2009.

Here is the breakdown:

2010 401k Contributions
Contribution Limit: $16,500
Catch-up 50 years and older: $5,500

2010 Roth IRA Contributions
Contribution Limit: $5,000
Catch-up 50 years and older: $1,000

So as you can see there is no real difference from last year. Don’t forget that you can contribute to a ROTH IRA up intil April 15th for the previous year.

My advice for retirement savings is to always contribute to your 401k up to the company match, if any. Then max out your Roth IRA to $5000 before increasing your contribution in your 401k to try to max it out at $16,500.

With the recent recovery in the market I think people are starting to realize that long term investing is the way to go as long as you shift your portfolio to safer investments as your time to retirement decreases.

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