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SAVINGS ACCOUNT RATES » Savings News

Posted in Credit Union, Rates, Savings Account

Baxter Credit Union is offering a reasonable 1.50% APY on its Rainy Day Savings Account. What's special about this account, however, is that as long as you deposit at least $25 into your account every month for 12 months, your rate will double, giving you a 3.00% APY after one year.

A few details of the account include:

  • Initial opening deposit maximum is $1,000
  • Maximum deposit amount per month is $500
  • 2 withdrawals allowed per year

Credit union membership is required to open an account. Residents of Kenosha County in Wisconsin, as well as select counties in Illinois are eligible with a $5 deposit into a share savings account. Check for other membership eligibility requirements.

>>Savings Account Bank Rate Deals

Other Terms and Conditions may apply to this offer - please contact the financial institution to review.


Posted in Personal Finance, Saving Money, Savings Account

Negotiation is the art of compromising to the satisfaction of both parties. Both parties agree to give something up, but in return they will get something out of the arrangement. When it comes to saving cash, it does not "hurt to ask" as long as the request is in reason and is handled with the highest level of diplomacy. Negotiating to save money is a gentle mix of coaxing and aggressive pursuit of a goal, therefore it is imperative not to act abrasively towards the other person thus reducing your chances of a successful negotiation.

To successfully negotiate to save money on your purchase you need to be knowledgeable on the subject. Going into a car dealership and asking for $1,000 off the sticker price can undermine your strategy. But going in well versed on a particular vehicle, knowing what you want to pay for the car realistically and asking specifically for a better price could result in substantial savings.

This strategy can be used almost anywhere and at anytime. Perhaps you are going to your favorite fast food restaurant at closing time? You may be able to buy all the left over food for a set price just by asking. Or maybe you find an adorable sweater missing a button, you can ask the manager for a little bit off to make up for the defect you can easily fix yourself. Only if you try to negotiate will you have success. Remember it is all a numbers game, the more people you try to negotiate with, the greater the chance that someone will say yes to your request.

The art of negotiation is a an extremely important skill to learn. Everyone encounters a situations daily that can be handled properly with a little decorum an tact which can generally work to their advantage. Whether it is making a deal with your teenager to encourage them to do their chores, securing a new client for your business, or buying a new car - negotiating is a great way to save money.


Posted in Budget, Saving Money, Savings Account

Many people are using the current economic downturn as a way to reinvent themselves.

Whether it is going back to school, switching careers, launching their own business or getting out of debt, there tends to be a silver cloud emerging.

If your desire is to take the economic lemons and make...



Read Full Article: Including Fixed Expenses in Your Budget

Posted in Local Banks, National Banks, Online Banks, Rates, Savings Account

A few months ago, we reported on savings account rates that had lowered considerably - now we've found that they've lowered their rates even further. Since many banks offer variable savings account rates, it's a good idea to check your rate to see if it has dropped. You can also check other bank...



Read Full Article: Banks Still Lowering Savings Account Rates

Posted in Personal Finance, Saving Money, Savings Account

If you've done your research on a big ticket item you've been wanting for a long time, you probably know that buying the extended warranty is probably not necessary. However, despite this knowledge - sales representatives will offer you the extended warranty option and you may be encouraged to...



Read Full Article: Save Money by Opting Out of Extended Warranties

Posted in Budget, Personal Finance, Saving Money, Savings Account

The first step in controlling your expenses is actually allowing yourself a small budget for those must have cravings. If you cannot not face the day without your super-charged premium coffee, then don't do it. Work the total expenses into your budget and if need be, find other ways to...



Read Full Article: Control Your Expenses and Save Money

Posted in Online Banks, Rates, Savings Account

iGoBanking has recently lowered its savings account rate from 2.02% to 1.56% APY . Here are the basics of this savings account:

  • $1 minimum balance
  • No monthly maintenance charges
  • FDIC insured

Opening this online account is fast and easy. You simply need to be 18 or older, have your Social...



Read Full Article: iGOBanking Offers 1.56% APY on Savings Account

Posted in Personal Finance, Saving Money, Savings Account

Imagine if there was a system that would allow you to pick out an item from a store, let you pay it off in regular increments without charging any type of interest, and upon the final payment the item would be yours. This kind of strategy would make budgeting for large ticket items a breeze,...



Read Full Article: Save Money and Buy With a Layaway Plan

Take a look at how much you can save over your career if you put your raises into savings each year.

Compare the difference if you bank (save) all, 2/3, or 1/3 of your annual raises and see how much you will have in savings at different stages of your life.

*All eggs are to scale according to...



Read Full Article: Save Your Raises For A Bigger Nest Egg

Posted in Personal Finance, Saving Money, Savings Account

Attending college is a great way to advance your career path, whatever you goals may be. The reality still remains that higher education is extremely costly and the financial bottom line includes more than just tuition. Living arrangements, textbooks, entertainment and general life expenses add...



Read Full Article: How to Save Money While Attending College

Start Saving Your Money

Take advantage of earning interest on your money today. Even if you only can save $10 per week or $1000 per month, when you start saving your money in a high interest savings account, your money will grow.

Whether you're saving for a major purchase or simply want a safe place for your emergency funds, a High Performance Money Market account or Savings account is a smart choice.

  • Earn interest on your savings account without the volatility or risk of investment accounts.
  • Enjoy peace of mind with maximum FDIC insurance to protect your money, especially in tougher financial times.
  • Increase your savings with statements every month about how much you saved and how much interest you have earned.

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