Review Of EverBank Online Savings and High Interest Checking Accounts

By MoneyBlueBook

Since 2000, EverBank has quietly grown and emerged as a top-tier banking institution, offering a diversified array of full-service-online-banking products that include high-yield savings accounts, money market accounts, high-interest certificates of deposit (CDs), mortgage loans and, most intriguing of all, high-interest checking accounts.

By MoneyBlueBook

Note: The New Credit Card Rules Do Not Go Into Effect Until July 1, 2010

These days, it seems like whenever there's a good thing going or some attractive opportunity for pecuniary gain or profit, the masses ultimately swarm the offer like locusts until they've completely ruined it for everyone else. This is how I feel about credit cards and the credit card industry. Credit card rewards and interest free balance transfers were once the easiest ways to make some free money on the side, but now that the Feds have enacted the new credit card law, all of that's about to change.

As a big proponent of credit card use and an eager partaker of reward credit cards, balance transfer deals, and credit card arbitrage, I've been taking advantage of all that they've had to offer for some time now. Over many years, I've applied for and been approved for more than 25 credit cards. I've owned, carried, and used most of the major credit cards from Capital One, Bank of America, Citibank, Advanta, Discover Card, to American Express. Throughout college and into adult hood, I've used my squadron of credit cards to earn more than $10,000 worth of cash back rewards, redeemed point rewards for countless free gift cards, and accrued more than $15,000 of interest profit from balance transfer arbitrage. At its peak, I was carrying more than $100,000 in total credit card balances at one time, taking advantage of 0% APR credit card funds deposited into ahigh yield savings account

By MoneyBlueBook

Honestly, I'm starting to regret posting my financial numbers online for all to see. It's one thing for anonymous strangers or random online readers to be intimately aware of my current financial net worth, but it's another mild hassle altogether when friends or family know where I stand financially at all times. It just injects a bit of awkwardness into my personal and social relationships I feel.

Just a few days ago my brother asked me to contribute to his law school tuition fund. He's currently working full time and juggling evening law school classes. His federal government office pays for the majority of his law school tuition expenses, but there is still a little bit leftover that he needs to cover out of pocket. I'm sure his awareness of my current financial state via my personal finance blog at Money Blue Book makes it easier for him to feel comfortable approaching me for money knowing that I probably have the means to provide some measure of financial support. I doubt he would have felt as comfortable asking me for a handout or a loan if he were not acutely aware of the specifics of my monthly cash flow or personal balance sheet.

Offering Loans To Family and Friends Is A Bad Idea - Don't Give Money To Others That You Wouldn't Feel Comfortable Giving Outright For Free

I have an unwritten rule for myself that I will never loan money to family or friends, even if it's to bail them out of a difficult financial situation

By MoneyBlueBook

Updated List Of The Best Capital One Credit Cards Below

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

What's In Your Wallet? - So goes the motto and promotional tag line from those zany Capital One credit card ads we're always seeing on TV. When it comes to Capital One, the credit card company's message is clear -  it wants you to evaluate your choice of credit cards and make sure you are taking steps to maximize all cash back credit card rewards and low interest opportunities available to you.

Capital One is one of the major credit card issuers in the United States, having distinguished itself over the years with its wide reaching mass marketing efforts, particularly during the 1990's when the company experienced tremendous growth and a phenomenal surge in market share. Through its aggressive marketing and promotional efforts, Capital One has situated itself as a major player in the credit card market with its huge and broad lineup of credit card products. Since its initial start into consumer lending, Capital One has joined the ranks of Citibank Citi Cards, Bank of America, JP Morgan Chase, Discover Card, and American Express as the dominant credit card lenders in the U.S. and Canada. Today, the company is actually one of the largest, if not the largest independent issuer of Mastercard and Visa credit cards. The company has since transformed itself into a giant bank holding company with a diverse brevy of financial services and products that include credit cards, auto loans, home mortgage loans, small business loans, and various interest-bearing high yield

By MoneyBlueBook

Updated List Of The Best Discover Credit Cards Below

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

In the United States and Canada, most people are familiar with major credit card networks like Visa, MasterCard, and American Express. However, fewer people have had experience or exposure to another quiet, but big player in the credit card industry - Discover Card. Introduced in the 1980's as the preeminent card of choice for the Sears department stores (the dominant retailer at the time), the Discover Card has had its share of ups and downs in terms of card acceptance and popularity, and has been facing a tough battle for its piece of the pie recently. Currently, Discover has the lowest market share of any major credit card issuer in the United States, and overall card acceptance at smaller stores and remote markets remain spotty. Most of the major merchant stores and retailers take Discover for payments, but smaller retailers and more obscure websites are less likely to accept it. However, despite the highs and lows over the years, the Discover Card has managed to evolve its program with attractive offers to grow with the times and remain continuously relevant.

The Discover Card was the first credit card I ever applied for and my first exposure to the use of revolving debt. I applied for the Discover Card back in high school during the height of its popularity, because at the time it was my parent's primary credit card for everyday purchases. Since then, I've applied for other cards, but my old Discover Card remains

By MoneyBlueBook

Updated List Of The Best Advanta Credit Card Offers and Applications For Small Businesses Below

Compared to its bigger financial rivals like Citibank, Bank of America, JP Morgan Chase, American Express, or even Discover, Advanta Bank has been a relative unknown in the credit card and banking industry. However, over the years, Advanta has gradually and quietly built itself up to become a major niche market issuer of business credit cards. What started out humbly as a small financial operation from Pennsylvania that provided personal loans to teachers has transformed into a major (albeit not particularly well known) player of the small business credit card industry. Currently, Advanta Bank focuses on the small business market, and the company primarily gears its efforts towards creating credit card and banking products that fit the needs and appeal of small business start ups, aspiring entrepreneurs, and growing companies. Along with being one of the largest, if not the largest provider of small business credit cards, Advanta also offers a diversified variety of bank deposit products that include FDIC insured savings accounts, money market accounts, and certificate of deposits.

Advanta Is One Of A Very Few Number Of Major Credit Card Issuers That Exclusively Service The Business Credit Card Market

Advanta's exclusive focus on the small business market seems to differentiate it well from the other major card issuers that have a tendency to over saturate the market with too many confusing financial products that are heavily advertised and promoted, but don't always fulfill the appropriate small business need. The best