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Get $100 with Key Bank

Category: Bank Deals- gotalkmoney.com- 5:44 pm/ March 30, 2008

Open up a qualifying key bank online account either in one of their local branches or on their website.  Make at least 2 qualifying direct deposits with your new account to be eligible for the $100.

Qualifying accounts include Key Express Free Checking or Key Advantage®

You’ll receive the $100 after 90 days of meeting the requirements mentioned above.

Make sure you note that if you close the account within 180 days, you’ll be charged a $25 fee.

This offer expires on 4/25/2008.  For more information, please visit Key Bank or call 1-877-888-3658.

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Get $25 with FNBO Direct

Category: Bank Deals- gotalkmoney.com- 7:14 am/ March 29, 2008

For a limited time, FNBO is offering a $25 bonus when you sign up for FNBO direct online bill pay and make a payment.

FNBO bill pay features –

·         2.50% APY on your account

·         Instant Transfers

·         FDIC Insured

Your $25 will be credited to your account 30 days after you open it.  In order to earn your bonus, your account must be opened for at least 90 days.  For more information and details, visit FNBO’s main website.  This bank deal is offered for a limited time.

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Watch out for the Money Market Rates

Category: Articles- gotalkmoney.com- 2:36 pm/ March 25, 2008

Money market rates aren’t guaranteed and a lot of investors find it annoying when they open up a money market account because the bank is currently offering a great deal and a week later they find that the rate has dropped below the industry average.

Let’s take Flagstar Bank for example.  During the week of March 18, 2008, Flagstar was offering a 4.30% APY money market account and was receiving a ton of positive reviews.  A little less than a week later, they dropped their rates to a 3.90% APY.

If this is your first time visiting the website, make sure you check out GOtalkmoney’s top ten money market rates.   The nice thing about this top ten list is that you’re able to see how long that bank has been in the top ten consistently.  This should help make the money market applying a little easier but remember, a bank can drop its rate anytime!

Here are the top three banks that have remained in the top ten consistently –

20 weeks straight – Corus Bank – 4.00% APY -$100 minimum

18 weeks straight – OneUnited – 4.00% APY - $1,000 minimum

23 weeks straight – WTDirect – 3.56% APY - $10,000 minimum

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Do Interest Free Credit Cards Exist?

Category: Articles- gotalkmoney.com- 2:17 pm/ March 24, 2008

I’m sure if you’re reading this blog post, you have a credit card in your purse and wallet.  A question that makes us wonders a lot is, “Are there credit cards out there that are interest free?”  Believe it or not, there actually are a few cards out there that are interest free but there’s a catch.  I’ll explain them to you.

Don’t be late with your payments

If you do decide to sign up for one of these cards, you’re going to have to stick with a set plan.  If you don’t, it’s going to cost you.  One of the biggest credit card carriers, Discover, offers this type of no interest deal.  One of the catches though is that if you’re late with one of your payments, they can hit your balance with a pretty hefty APR.  This rate can generally range around fifteen to twenty percent.

Read the fine print

Sometimes you may find that your card indeed does offer no interest but this is only to your transferred balance.  You’ll want to stay away from these cards.  You’ll want a card that offers you no interest on the life of your balance every time you make a purchase.  Also keep in mind that the life of the balance may not necessarily mean the life of the card.  This is where you’ll want to read the terms and conditions again.

Make minimum purchases

I know some of Discover’s credit cards make you make a minimum purchase each month.  They will usually tell you to keep the card active.  So if it means making two purchases a month, you best do it or else they will take away your privileges.

Like anything in life, if it’s going to be a good deal, it’s going to cost you and a credit card with no interest is going to be the same.  IF you do apply for one, make sure you apply some of these techniques because if you fail to do so, you may find your card carrying that hefty fee defeating the purpose of why you applied for it in the first place.

Some Helpful Resources

Fatwallet.com forum thread discussing this issue

CNN article on no interest credit cards

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I’m Giving Away a $100 Chase Coupon

Category: Bank Deals- gotalkmoney.com- 1:57 pm/

I received a Chase checking account $100 bonus coupon in the mail today and I figured I’d give it away to a lucky blog reader! If you’re looking for a nice little bonus or you’re looking for another checking account, Chase bank might be for you.

In order to qualify for the $100 bonus, you will need to open up a checking account and set up direct deposit. This can either be done online or through the internet.

The first person to either e-mail me at admin[at]gotalkmoney[dot]com or comment will receive the coupon code or I can mail the coupon itself to your house. Instead of throwing this away, I thought I’d give it to my readers

This offer expires May 23, 2008

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