This week American Express (NYSE:AXP) announced a partnership with social networking behemoth, Facebook, sure to blur the lines of rewarding social actions vs. purchasing habits.
These are exciting times in the finance realm, both for financial products, as well as the payments and offers spaces. Due to the recent rules and regulations from the Federal government banks have begun to flush out their existing rewards (a.k.a deals) programs, while introducing a slew of new ones. In just a few short months, Ally bank introduced Ally Perks, FNBO began to heavily push MyDeals, and Intuit with the help of Cardyltics brought merchant-rewards to a slew of smaller banks.
If you’re not familiar with merchant-rewards, I recommend you read our coverage on the new platform here. In each case, the core offering is technically the same: Retailers and merchants tell banks what kind of customers they want to reach. Ba
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CenLA Federal Credit Union provides members with both quality and beneficial financial services and products. Today, they are offering a 6-month CD rates deal that earns up to .75% APY.
6-Month CD Rate Terms and Conditions
In order to be eligible for this CD account, there is a $1,000 minimum deposit required. Rates are subject to change at any time at the credit unions discretion. There may be a penalty imposed for early withdrawal before the account reaches maturity. Please contact the credit union directly for more information.
About CenLA Federal Credit Union
CenLA Federal Credit Union has an easy option for members to access their banking information online through their Virtual Branch. Cenla Federal Credit Union also offers members low-interest loan rates as well as competitive interest rates for deposit products such as Savings or Certificate of Deposits. CenLA Federal Credit Union is here to help you get the best financial assistance as possible.
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Im pretty sure I have melted, and if not, Im on the verge. This heat not only runs up energy bills, but it can also be life threatening if you do not protect yourself. Here are some ways to keep cool, and prepare for extreme conditions.
Central air is a luxury in New York city and on weeks such as this one, I question my sanity for living here. Many people equip their homes with window units to keep cool, but those can be super expensive when it comes down to it. By making sure your home is at optimum condition to keep cool you can make sure the energy bills stay down.
See how it all fans out. Whether you have central air or not, having a fan in your house will keep air circulating and keep things cool. This cheap investment can prove to be a big money saver in the future.
Just hangin in the shade. In the summer doing something as easy as keeping your blinds closed can be a life saver.
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Crescent Credit Union offers competitive interest rate with their reward checking account called eRewards Checking. This best checking account provides an interest rate of 4.00% APY if you deposit a balance up to $5,000. The portion of your deposit above $5,000 to $25,000 will earn you an interest rate of 2.00% APY. If the deposit exceeds $25k the portion of the above balance will earn an interest rate of 0.15% APY. In addition, you can also refund up to $10 worth of your ATM fees. All you need to do to enjoy this best interest rate is to follow the credit unions requirements:
- make purchases using your debit card at least 10 times at the point of sale
- make at least one bill pay using online banking
- subscribe to electronic bank statement
- setup a direct deposit at least once per statement cycle
If you did not meet the credit unions prerequisites for the month, you will only earn the base interest rates of 0.15% APY.
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As an investor, risk can be a good thing. After all, you have to take risks to see big rewards. However, high risk investments arent always worth the chance, and there is definitely a way to take unnecessary or dangerous risks that will almost certainly end in a loss. The following are some of the riskiest stock investments available today that youre better off avoiding completely.
Penny Stocks
According to the SEC, a penny stock is any stock that costs less than $5 per share. Basically, investors buy these cheap shares in the hope that their price will increase significantly in the near future, allowing them to pump and dump them for a huge profit.
Penny stocks can be risky investments because they are valued low enough to be traded over-the-counter, or in a forum other than a centralized exchange. Usually, its because the companies are too small to meet exchange listing requirements. That means penny stocks are also not subject to many of the rules larger securities are. T
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If you want to check your credit score but you dont want to pay you may be in luck, that is if you are down on luck. The Dodd-Frank financial overhaul is making changes again and this time its concerning individuals who were denied a credit card or auto loan.
Since the Dodd-Frank financial overhaul was passed last year politicians have been working towards enforcing various provisions to improve consumers relationship with the financial industry.
The latest law, passed on July 21, 2011, requires that consumers who were denied a credit card or auto loan to be provided with a free copy of their credit score. According to politicians involved with the law, this new regulation will help consumers gauge where their finances stand.
Check out: U.S.
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Finding a car loan rate thats truly a great deal is not always an easy prospect. Thats why if youre looking for a good rate, nows the time to take advantage of the 2.99% APR from Cincinnati Employees Credit Union.
The credit union offers a number of very competitive car loan rates to members who have good credit scores. The advertised rate is available for 90% financing and requires a 48-month loan term as well as direct deposit. Members who take out auto loans are also able to take advantage of life insurance. Currently, all loan recipients are given a free $10,000 life policy.
Cincinnati Employees Credit Union offers a wide variety of share accounts, as well as loan options. Members also get to take advantage of unique perks like identity theft protection and discounts on computers. Online banking is also an option available to members. To learn more, contact or visit Cincinnati Employees Credit Unions location in Harrison, Ohio.
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