$50 Dollar Bonus for opening a NEW Bank of America Checking Account

So, my second account I ever had was a Bank of America Student Checking Account (Well, technically, Fleet, but they merged with BofA after a week), mostly because it was very convenient for a bicoastal student. Now, I have a ton more options, but at the time, Bank of America was your best bet if you wanted to do banking on both coasts.

Anyways, I WISH I had this deal when I did open my account! Bankvibe.com is reporting that  Bank of America is giving a $50.00 bonus for opening a new checking account. All you have to do is deposit $100 dollars into your newly opened checking account and you will receive a $50 bonus direct deposit in your account within 90 days. You can either open the account online or bring the promotional code, AOU26120 to a bank branch (very helpful option with paranoid, technophobic Asian dads). This offer expires Feburary 27th, 2009.

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New Signups for Pinecone Research OPEN (paid survey opportunity)

Click here:Open Pinecone Research Paid Surveys Signup Link (US)

What is Pinecone Research?

Pinecone Research is an exclusive online survey panel. You receive surveys a couple times a month, and receive a $3.00 payment for each survey completely, which you can either get by check or through paypal. Occasionally they also mail out products for their members to test.

Why do I Pinecone?

I am a big fan, as it is one of the better paid survey companies out there. I like knowing that when I do a survey, I will be getting a check in the mail, as opposed to “points” that take forever to accumulate or being entered into sweepstakes that I will never win.

As long as you come in with the right expectations, paid surveys can be easy source for some extra cash. You will never be able to live off of surveys, but you can definitely make an extra 10-30 dollars a month. The surveys themselves can be a bit boring, but it is really easy to do while you are watching TV or eating a snack. I did one today while watching the Niners-Jets game, and now I can feel a little less guilty about getting a latte at Starbucks.

How to Join?

It is pretty exclusive, so it is invite only. Periodically, Pinecone needs to find new members, so they open up recruitment through online banners, so keep a lookout! I’m going to try to keep an eye out, so check this blog periodically to for updates on Pinecone Signup links!

Some things to note:

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Freecycle: Making other people’s garbage your treasure…

So I just picked up 20 plastic clothes hangers from a freecycler today. What is freecycle, you ask? It’s basically a online network, divided up geographically, with people sending each other emails about stuff they are willing to give away. That way, we can all lower consumptions levels, resulting in less garbage and less buying of unnecessary things.

Why is freecyle so awesome?

  1. It’s free
  2. It helpful to the environment, lowering people’s consumption levels
  3. I tend to walk to the houses where I pick stuff up, so I get some exercise to boot!

Great idea, right? I ended up joining my local freecycle, which consisted of me joining a yahoo group. I would highly recommend either having a specific email address for freecycle or creating some sort of filter in your gmail/thunderbird/whatever account because you will get ALOT of emails.

It’s definitely fun to go through the different emails and see what people are giving away! So far, I’ve gotten hangers, computer speakers, and christmas ornaments! Plus, since I throw away less stuff, I’ve been able to downsize my garbage can, resulting in further savings! So thank you freecycle, for giving me free stuff, saving me money AND making me feel environmentally responsible!

Info from their website, The Freecycle Network:

The Freecycle Network™ is made up of 4,643 groups with 6,205,000 members across the globe. It’s a grassroots and entirely nonprofit movement of people who are giving (& getting) stuff for free in their own towns. It’s all about reuse and keeping good stuff out of landfills. Each local group is moderated by a local volunteer (them’s good people). Membership is free.

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Walmart Freebies!

I remember when I was little always being super excited whenever I would get free samples in the mail. So you can imagine my happiness knowing that i can actually sign up for these things!

So… What is Wal-mart handing out for free this week?

So… a little heavy on the feminine products this week, but you really can’t complain about free!

(Quantities are limitied, so if you are interested, you should fill our the forms soon!)

EXTRA TIP: For the Firefox users out there, I always use the handy  Mozilla Firefox Autofill Forms Add-On, which believe it or not, auto-fills forms you have to fill out! It saves me a ton of time when I’m filling out these freebie requests, and is also helpful when you are online shopping. It’s faster, and you don’t have to worry about typos!

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E*Trade Online Savings Account: 3.30% APY + $25 bonus!

I’m always a fan of opening up checking/savings account that give bonuses. It’s free money, without the need for a hard credit pull that you get when you go for those “$100 bonus” credit card offers.

E*TRADE is offering a E*TRADE 3.30% APY online savings account with $25 bonus. Minimum balance is $1, and you need to open the account before 12/17/2008, so don’t miss out on 25 dollars and a great interest rate! (for the time being anyways…)

From E*trade:

1 Annual Percentage Yield is effective 12/5/2008 and is subject to change. A $1 minimum deposit is required to open a new account. Withdrawal limits apply. Online statements required.

2 $25 will be credited to your Complete Savings Account within 30 days of the account being funded with a minimum deposit of $1. Payments will be reported as interest income. Accounts must be opened by 12/17/2008 to quality for the $25 offer. Must be a new account opened with new funds. Offer applies to one new account per customer. Not good with any other offer. This offer is not valid for E*TRADE FINANCIAL employees.

Source: Bankaholic

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Even I can’t justify getting this free after rebate…

I am a HUGE fan of Walgreens EasySaver Catalog. Every month, Walgreens has several items that are free after mail-in-rebate. I know, mail in rebates are a nightmare! However, I personally have never run into any trouble getting rebates from Walgreens, so it is worth the extra five minutes filling out the forms and and mailing the receipts.

Sometimes the items available for rebate are a bit silly (arthritis juice, anyone?), but Walgreens more than makes up for it with useful items like medicine, shampoo, toothbrushes and more!

This month?

Bald Guyz Moisture Gel, 4oz. or head Wipes, 16 Pack

Purchase ONE(1).

Rebate Limit up to $5.99.

Yeah, I believe I’ll be sitting out this month’s rebates…

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It never hurts to ask…

I miss World Savings. I know, if SNL had its way, Herbert and Marion Sandler would be shot, but I was always a fan.

I opened up my first account at World Savings when I was 7, and the tellers would always remark at how much I had grown. I remember every week going to the bank with my mom to either deposit or withdraw money (My mother still refuses to use an ATM machine). Most importantly, they always gave me a balloon whenever I visited! You know a bank is doing something right when it keeps my rate-hopping parents for almost two decades!

It was a sad day when World Savings switched over to Wachovia. All of a sudden, those great CD rates disappeared, and my parents, little by little, moved all their money to other banks.

Today, the last CD my mother had with Wachovia matured. My mom was all ready to switch to WT Direct Bank which is offering savings account with 3.06% APY plus a cash bonus based on how much money you put into your account. It is a nice deal but… with the bank in Delaware, it wouldn’t be terribly convenient.

After twenty minutes of going back and forth with a bank employee and his manager about how terrible the liquid CD rates were, and how we were going to take our business elsewhere, they found a way to keep my mom’s business.

Apparently, World Savings had a special exception for customers which allows them to withdraw up to $25,000 from fixed CDs once a year as long as it was for a “medical expenses.” This option was so popular among WS customers that Wachovia picked it up as well. The only requirements is a Crown Banking account, which requires a cumulative balance of $5,000 in all Wachovia accounts. It’s not a great as a liquid CD, but she gets 4% APY for a 1 year CD and knowledge that she can withdraw up to $25,000 in case of an emergency. NO documentation about the medical expense is needed, so really, she could use this $25,000 for a morgage payment or help with my tuition, though given how painful my tuition payments are, maybe I COULD qualify for medical expenses…

It goes to show that it never hurts to ask your local bank branch if there are any special rates or special accounts available! When you get people properly motivated (aka scared shitless about losing your business), amazing things can happen!

So thank you World Savings, for allowing my technophobic mom to NOT have to send her money halfway across the country. She really appreciates it!

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