Where Are The 12 Month 0% No Balance Transfer Fee Credit Card Offers?

By MoneyBlueBook

The credit crisis is bumming me out. Because of the current economic recession, an important source of free money and money making opportunities has all but dried up on me and pretty much everyone else in the country. I'm talking about lucrative balance transfer credit cards - namely, the once abundant credit card terms and conditions that offered amazing 0% APR balance transfers for 12 months with no pesky balance transfer fees.

Ever since I first started getting into the world of personal finance blogging and common sense financial planning, balance transfer credit cards have always been one of my favorite consumer financial instruments. Balance transfer credit card arbitrage is actually what got me started with personal finance blogging���� to begin with. Over the years, they have served me well, netting me substantial balance transfer arbitrage profit in the way of high yield bank interest income, and cushioning me during difficult financial times by providing me a way to get quick interest free loans as a financially struggling young lawyer. During tough economic times in my life, they helped me bridge temporary budget shortfalls, saving me from having to turn to high interest risky alternatives like payday loans. My early life would actually have been more difficult and harsh had it not been for the safety net benefits and financial assistance provided by 0% balance transfer credit cards. During key moments in my life, these short term interest free credit card loans helped preserve my financial independence and saved me from having to turn

By MoneyBlueBook

It's not too often that I get to travel overseas to visit my parents, but this time I had to. My dad's job is taking him on a new foreign assignment to another continent, one that might be less accessible, so I decided to make the effort to visit them sooner than later.

Ever since I reached my financial independence milestone and declared freedom from my parents, I've thrived in the openness of my own free will, taking fairly decent care of myself. It's been so long since I've had to live under my parents' shadow and watchful eagle eyes, so having to do so now, even for a few weeks has been rather difficult. I'm not the same little boy who used to depend on my parents' guidance and tutelage when I lived with them, so living with them now is taking some getting used to. Since we've lived so physically apart for numerous years due to the sheer oceanic distances that separate our jobs, I always feel like I need to get to know them again for the first time and get accustomed to their quirky living habits every time I see them. Even for the purposes of a relatively brief couple of weeks stay, I always find I learn something new about them that I didn't notice before (perhaps it's because I get to view them through a refreshed set of perspectives).

What Is Compulsive Hoarding and Why Does It Lead To Excess Clutter and Household Planning Inefficiency?

Having lived with my parents for

By MoneyBlueBook

Ask yourself this question - when was the last time you balanced your checkbook? Do you even know what balancing a���� checkbook entails? The fact of the matter is, writing checks and issuing payments in the form of paper checks is a steadily dying practice, thanks to the tremendous growth of the Internet and all of the new fangled technological advancements in the area of electronic and automated telephone banking (even phone banking is getting phased out in favor of the web). Much the same way the future of newspapers and the outlook of traditional forms of written news are being called into serious question, and much the same way they are being slowly rendered irrelevant by the overwhelming convenience and cost efficient benefits of the World Wide Web, so too will the practice of check writing and manually balancing accounts ultimately go the way of the dodo bird.

Personally, I can barely recall the last time I actually went through the hassle of balancing my checkbook manually. The tedious bean counting practice of manually comparing my own personal account records with the recordation information provided by monthly bank statements is simply not something I've readily adopted over the years. The last time was probably in high school when my mom sought to teach me about basic account management by forcing me to watch her go through the motion of recording transactions neatly on the gridded transaction register that comes with each set of checks. But other than that first initial

By MoneyBlueBook

Updated With The New and Current FDIC Insurance Limits For Bank Deposits! (New Law Went Into Effect October 3, 2008)

As the American and world economies endure a period of economic recession, the once stable and thriving marketplace can seem like a distant memory. Not only does it seem like unemployment warning flags and disappointing corporate earning reports lurk around every corner, it's all too easy to succumb to the financial despair. When you combine the mortgage market meltdown with increasing housing foreclosures, and you mix that with high gas prices, fears of another major Islamic terrorist attack, and snowballed consumer pessimism, you have a spicy cocktail for widespread financial depression. While I'm not a financial fortune teller, nor am I a guru who can predict when the recession or lingering credit crisis will pass, all I can do is reassure you of areas in your life where you ought not to be overly distraught or paranoid about.

One segment in the economy that has spawned a huge surge of concern and irrational panic is the area of bank failures and bank bankruptcies. Because of the excessive subprime lending to consumers totally unqualified to receive home mortgages made by irresponsible mortgage lenders in the past few years, the economy is now reaping the terrible financial whirlwind result of defaulting loans and home foreclosures. This calamity is currently happening on a massive scale as huge banking giants like Citibank and Bank of America, as well as major thrift saving institutions like Washington Mutual are getting

By MoneyBlueBook

I consider myself one of many rate chasers out there - savvy savers who hunt for the best annual percentage yield (APY) interest rates at banks and credit unions, and who are keen on quickly moving large sums of money from one account to another in pursuit of that financial ideal. High yield interest rate chasers seek out the highest available interest rate offerings possible, whether available at popular brick and mortar branches or whether available only through obscure online banks. We keep tabs on them all regularly and shift our bank balances around in pursuit of that elusive, but perfect high yield savings account. Rather than be content with letting our savings accounts sit idle, earning stable, yet passive interest growth, rate chasers such as myself prefer to actively manage our bank accounts to maximize interest earnings. Interest rates periodically change, thus so should we. Currently, I use my compiled list of the Best High Yield Savings Accounts to actively keep tabs on bank rate updates and changes.

High Yield Savings Accounts Offer Not Only Liquidity, But Rock Solid Financial Security and Reliable Growth As Well

While I have a diversified investment portfolio made up of high performing stocks, bonds, exchange traded funds, and mutual funds, I still try to put a sizable amount of what I own in cash form, invested in stable interest bearing savings accounts. The type of money I put in a savings account is money I can't afford to risk or jeopardize, and the type of funds that I may

By MoneyBlueBook

Editor's Note: Thank you for your interest, these offers have expired and are no longer available.

Countrywide Bank is currently offering the Countrywide Rewards Platinum Visa Card for a remarkable 2% cash back on all purchases. Very few other credit card offers come close - except maybe the similarly advertised 1.5% cash back Fidelity Visa Signature Card. Most other top value cash back credit cards restrict higher rebates to special purchase categories such as grocery stores, gas stations, and restaurants. This card's one of the best non-restrictive purchase cards out there.

The only caveat is that to get the high 2% cash back rebate, you'll need to redeem your rebate points as a deposit to your Countrywide savings account, money market account, or as a payment towards a Countrywide mortgage loan. With the offer, you'll receive 1 purchase reward point for every $1 you spend using the credit card. Everytime your rebate balance reaches 2,500 points, you can redeem your points for an instant $50 Countrywide bank deposit or mortgage payment - essentially a 2% cash back offer.

This offer is basically your base 1% cash back offer for non Countrywide bank account holders with an additional special bonus rebate on top for those who are. With the standard purchase offer, you only get 1% back, redeemable for gift cards to a participating merchant of your choice, or a $25 check to use towards home improvement and related supplies. But if you are a Countrywide bank or mortgage customer as well, you'll get double the rewards, effectively. There is no annual fee, and best of all for high