SAVE more this year with $25 or $50 bonus cash

Ten years ago, our family opened our first online bank account with  We started simply with a savings account and were impressed by their website and simple online interface.  We were also impressed at how easy it was to set up the account and to use it for various savings goals, online payments, and investments.  Today we have multiple savings accounts, an online checking account, savings accounts for the kids, and an online investment account — all easily managed within one use account.  The interest rates are likely much better than you’ll get at a local bank too.

Right now INGdirect (soon to be renamed Capital One 360) is offering a referral program that provides new account holders with either $25 or $50 in bonus cash for each account you open. Savings accounts (.75% interest) are rewarded with $25 bonus cash, kid’s savings account (.75% interest) and teen checking accounts (.25% interest) also net you $25. Set up an online checking account account (.20% – .85% interest) and you’ll get bonus deposit of $50.  Of all these various accounts the only we haven’t tried is the teen checking account (it’s a new offering and we just haven’t checked into it yet).  I recommend INGdirect to anyone looking for an easy solution for managing their finances.

Click here to learn more about bonuses paid to new account holders.

Happy saving!


A better VIEW of your finances for the new year


I get questions now and then from friends regarding personal finance.  I love learning from others and certainly don’t claim to have a lock on all the answers, but I’m also very willing to share what I’ve learned over time about what works and what doesn’t.

You have a bank account here, an investment account there, multiple savings account, a retirement account, a college fund for each of the kids, a home loan, and a debit card – all from different banks and brokerages. Most of these accounts offer online access each with their own log-ins and pins.  Wouldn’t it be nice to see all of this information in one place?  You might want to try a financial aggregator like  I learned about mint several years and while it wasn’t perfect then and still isn’t quite perfect (it has trouble updating one of my lesser used accounts) it still does a solid job of showing us our entire financial picture in one place.

To decide if it’s right for you, you’ll want to do your own research. Here’s one such online review.  I think it’s a helpful tool, you might too.