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What to do with your TFSA (before Trudeau trims it)

Well, it happened. The Liberals have won a majority, and now it’s time for Justin Trudeau to make good on all the party promises he made—including his pledge to trim the annual Tax-Free Savings Account (TFSA) contribution limit from $10,000 to $5,500, starting in 2016. For many Canadians, that raises some questions.  Such as: What should you do with your TFSA in the meantime? Should you scramble to top up your TFSA today, in case it shrinks tomorrow? And how will this affect my savings goals? Relax. You can top up your TFSA when and if you can and put that money to work for you by investing it wisely.

Category: Savings account


[Expired] Chase $500 Checking and Savings Bonus Now Publicly Available! [In-Branch Only]

Bank Account Bonuses Published on January 13th, 2017 |by Chuck This deal has now expired, you can view the best bank bonuses by clicking here. The $500 checking and savings offers from Chase are typically targeted or available for purchase on eBay. There’s now a banner link that’s working to get this offer for anyone. We don’t know how long it will last. You don’t need to complete the offer right now, but go ahead and click the link and get the coupon now, so you have until March 7 to get to a branch and open the account. Offer Details Maximum bonus amount: $500 ($300 checking & $200 savings) Availability: Nationwide (must open account in branch) Direct deposit required: Yes, no minimum.

Category: Savings account


Handling High-Yield Savings Accounts

For most Americans opening a savings account is the first step in taking control of their personal finances. And while a savings account can be an important, safe way to keep cash available, a standard savings account is going to earn a scant amount of interest and, when factoring in inflation, could actually lose money for depositors over time. Many high-yield or high-interest savings accounts offer the same Federal Deposit Insurance Corporation (FDIC) coverage as banks and thrifts (or National Credit Union Administration (NCUA) insurance for state-chartered credit unions) and pay a significantly higher rate of interest.

Category: Savings account


Savings Accounts

A traditional savings account is a simple investment vehicle designed to provide a high degree of protection, relatively easy access to one's funds, and a modest amount of interest. It, along with a checking account, are the most common forms of bank accounts for consumers. While a traditional savings account may be relatively simple, there are a significant number of differences between the banking institutions that offer them and the features of any individual account. This article explains those differences, and defines the related terminology, to ensure you can make an informed decision when choosing an account.

Category: Savings account


CITIBANK ULTIMATE SAVER

Benefits Earn 1. 65% p. a. standard variable rate for the portion of your balance between $10,000 to $999,999. 99. For any part of your balance which is $1 million or more you'll earn the 0. 45% p. a. standard variable rate. There's no monthly fees and no restrictions on the number of transactions you make per month. There is no maximum balance and an ongoing minimum balance of $10,000. 24/7 instant access to your money via ATMs, Citi Online and CitiPhone Banking. Free withdrawals at any Citibank, Westpac, St George, Bank of Melbourne and BankSA ATMs Australia-wide.

Category: Savings account


Best savings rates - National Savings

The web's best savings tables Completely independent and unique Accounts with catches are stripped out or shown separately  Compiled by savings expert Sylvia Morris   Unlike other tables, providers do not have to pay to appear By This Is Money Published:11:55 EDT, 22 October 2004 |Updated:13:14 EDT, 8 March 2017 NATIONAL SAVINGS & INVESTMENTS  Account Rate Fixed/Variable Notice/Term Tax Position Investment Account  0. 45 V No notice Interest paid gross but still taxable Income Bond (a) 0. 75 V(1) No notice Interest paid gross but still taxable Direct Isa (a) 0.

Category: Savings account


Netspend Neuters their 5% Savings Account, Effective July 1

Checking Accounts Published on July 1st, 2016 |by Chuck [Originally posted on 6/1/16, reposting on 7/1/16 since change is now going into effect and is also showing on the Netspend site. Time to unload our Netspend accounts now…] Netspend is lowering the amount that earns a 5% APY rate on all of their prepaid cards from $5,000 to $1,000. The change will take effect on July 1, 2016, and it applies to all Netspend cards, including Netspend, Brinks, Western Union, HEB, Control, Ace Elite, and the Paypal Prepaid too. You can find this update in your Netspend login by going to Move Money > Savings > Savings Terms and Conditions.

Category: Savings account


Savings account interest rates dip below inflation

Two of Australia's major banks have cut the interest rates paid to savers over summer, as average returns on a key type of savings account dipped below the rate of inflation. In a sign of the miserable returns being paid to many savers, including retirees, analysis shows several banks, including ANZ Bank and Westpac, cut interest rates on savings accounts in December. Canstar, an interest rate comparison website, said there had been 13 cuts in savings account interest rates across its database of banks in December, compared with only two increases.

Category: Savings account


After a good rate of return and easy access to funds: Top Ten savings accounts on offer

Here are my thoughts on the best of the best as of today’s date:1.     The Santander 123 Current Account, this little gem offers an impressive 3%, which is higher than most savings accounts, this is on balances of £3000. 00 - £20000. 00, and of course being a current account you have instant access, but be warned there is a monthly charge of £2. 00 and it must be used as a current account with at least £500. 00 deposited every month and two active direct debits, it does however give you cash back on your direct debits and 3%: on mobile, home phone, broadband & paid for TV packages.

Category: Savings account


Seek More Yield On Your Cash

A place for your cash ✔Savings accounts continue to offer historically low yields. ✔Choosing the right option for cash depends on your goals, attitude, and needs. ✔Higher yields exist, but may require you to accept less liquidity or more risk. ✔CDs may be available to provide higher yields, while maintaining FDIC insurance. ✔Short-duration bonds and bond funds may offer more yield. While stock markets have rallied in recent years and helped investment account balances, money in savings accounts has not kept up. Low rates have meant meager interest for cash savings—nationally the average savings account paid just 0.

Category: Savings account


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