EverBank - $50 Bonus or New High Interest Checking Account

If you read my $10K Challenge for 2010, you know one of the methods I will be using to earn money for my family is out High Interest Checking Account.

It is probably safe to say, the majority of you reading have a checking account. But, the question you need to ask is do you earn interest? And, if so...is it time to reevaluate the interest rate you are earning?

For my family, we moved to Salem Five a few years ago for their great interest rate. But, since then the rates have dropped and we are at less than 1%. So, it is definitely important to reevaluate.

Nervous about moving everything over? The first time I moved accounts, I was. But, I set the new account up and then got my new routing and checking account number. I then sat down with a few months of statements from my old bank and looked at all the withdrawals ( automatic ) that hit each month. I then logged into each one and updated my account information.

By sitting down all at once to update my routing/checking for all automatic payments, I was able to get it all done fairly quickly and easily. The time spent will be worth the money I earn.

So today, sit down and find yourself a new High Interest checking account ( or verify the one you have is earning you a top rate ).

To get you started, here is an account worth looking at right now. Specifically, because you ALSO can get a $50 Bonus if you decide this is not the account for you. Nice incentive!

Ever Bank - 3 Month Rate of 2.25% ( then 1.26% )

• FreeNet Checking Account
  
• 3 Month Intro Rate of 2.25% or all and then drops our New Account First-Year APYs which is $50,000 - $99,999.99 1.46% APY, $25,000 - $49,999.99 1.21% APY, $10,000 - $24,999.99 1.17% APY and under $10,000 1.14% APY. As of January 15, 2010
• Pledges to keep their rates in the top 5% of competitive accounts
  
• Minimum opening balance of $1, 500. Recommended opening balance of $5,000 ( free online bill pay and ATM Reimbursement included then )
  
• No Min. Required to earn interest
• No Monthly Fee
• Free unlimited ATM Reimbursement ( that means free ATM usage anywhere ) with a balance of $5,000 or higher
• Free Online Bill Pay with a balance of $5,000 or higher
  

$50 Guarantee Bonus

• Not convinced this is the bank for you? Get a $50 Bonus.
  
• 3 Online Bill pays required ( opening balance of $5,000 gets you free online bill pay )
  
• Click here to read all the details.
  

Would you like to sign up with EverBank and get your new High Interest Checking account or a $50 Bonus? Click here.




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Online Offers - 10K Challenge

So, I want to go thru each step of my 2010 Challenge and share it with everyone. As always, please leave comments on your own goal in this category, past experiences ( good and bad, please ) and any helpful insight you may have.

Let's get started:

Before reading this post, go here to read all about Online Offers and how I have used this method for years. It will give you an overview of what Online Offers are, how to earn with them and helpful hints to earn your money.

First, as you saw in my previous post my goal is $4,000 for Online Offers. I am hoping to earn $1,000 per quarter for our family. This is the bulk of my $10K goal and you can see my whole challenge here. It is important to note, I will have to spend some to earn that $4,000, but do keep track of it all. You should, hopefully, be able to deduct those expenses that were required to earn your money.

So, how do I personally plan to do this and how have I earned with this method in the past?

Online Offers - $4,000

1. I rotate companies - I know many of you get comfortable with a company ( IDeal for example ) and want to keep doing their sites over and over instead of trying Netblue or Nuitech. BUT, you open yourself up to difficulties when doing this.

Some companies have caps on how much you can earn per year, how many offers you can duplicate, etc. When you do only one company, you risk being DQ'd AND running out of offers to do. I plan to do two different companies per quarter. So, for example, one IDeal and Nuitech. Next quarter, maybe a Nuitech and a Netblue, etc, etc.


2. I also set up an email address for each company. So, all IDeal sites have one specific address, all Nuitech have their own email, etc. This helps when you go to sign up for offers within the site to earn your points. This keeps records straight per company and easier to manage.


3. I have my husband do some of the companies ( IDeal, Nuitech, etc ), too. That way we can both complete offers if it is not one per household.

By this I mean, if one of the offers is for some lotion, for example, and it is one intro offer per person, we can both do it then. I can do mine on my IDeal site and he can do it on his Nuitech site. Make sense? If I was the only one taking part, I may not be able to do that offer again since I had already completed it on the IDeal site.


4. If not using virtual credit card numbers ( you should be ), then use a separate credit card per company ( Nuitech, IDeal, etc ). This keeps your records clean plus helps when you sign up for one offer and your husband signs up for one, too. Then, each of you have your own records and it will allow you to set up an account per person with that specific offer.

I cannot stress enough that just because one company has a higher payout and is quicker to complete that it makes it the "go to" company and your only choice. The key to success is earning with multiple companies. Even if you make less with one company, you are STILL making money! It is still profit and money we didn't have before.

So, to get us all started I have a list of offers to choose from for each company. Some of these are new and some you may have seen posted on my Online Offers page before. Here is what I am starting right now! The $500 Visa Gift Card with Holiday Shopping Rewards, a Nuitech site. It has 2, 2, and 4 for the requirements and only 6 day requirement for all but 2.

So, here are offers that are available right now to get you started in 2010! I will keep my eyes open for some Netblue offers ( haven't seen any in FOREVER ) but will post them when I find them. Click on any offer below that interests you to go see all the details and register.

Nuitech

• $1,500 Costco Gift Card
• $500 Visa Gift Card
• $500 Visa Gift Card
• $500 Staples Gift Card
• $500 Apple Gift Card
  
• $250 Visa Gift Card
  
• $250 Grocery Gift Card
  
• $250 Gift Card
  
• $250 Nike Gift Card
• $250 Honey Baked Ham Gift Certificate
• $100 in Candy
  
• Free Toshiba Laptop
• Free Dell Laptop
  
• Free Motorola Cliq
• Free iPod Shuffle
  

IDeal

• $500 Check - Bullseye Media
  
• $500 Visa Gift Card - Top Notch
• $500 Target Gift Card - Jasper
  
• $500 Lowes or Home Depot Gift Card - eSolutionsMedia
• $500 Airlines Gift Card - Bullseye
  
• $50 Burger King Gift Card - Jasper
• $50 Restaurant Gift Card - eSolutionsMedia
  
• 2 Free Airline Tickets - 123 Click
  
• Free Coach Purse & Wallet
• Free Wii & EA Sport - Top Notch
• Free Nintendo DSi - Top Notch
• Beatles Rock Bank Special Edition - Top Notch
• Free Ugg Slippers - Marketlabs
  

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10K Challenge - 2010

Well, today is the first weekday of 2010! My kids started back to school today, my husband went back to work and Noah and I had our first Mommy and Me class of the year. It was a busy day for us all.

Beyond simply getting back into our routine, I also sat down today to map out my financial earning/saving goals for 2010. It is so helpful for me to have a map of what I want to accomplish for myself each year.

So, I am going to try and reach a $10,000 goal ( 10K ) this year. For those of you who keep up on my earning/savings tracking each year, this may seem like a decrease. But, I have decided to split out my blogging earnings separately. I am only doing this, because for all my readers who do not blog we can then do this challenge together.

I will still track my blogging earnings, but it will be it's own unique goal.

Here is what I came up with for myself. Take this format and tweak the numbers to be what you think you can achieve. Do you think $5,000 is enough for you this year, then alter the figures. This is your own personal road map, so create it to fit your needs.

And, before you get started, remember this. This extra money you earn/save is a chance for you to slowly get ahead. I know these numbers aren't huge. But over 10 years, $10,000 is $100,000. Every little bit adds up fast.

Money shouldn't burn a hole in your pocket. Instead, take a look at your families finances to see where this money can best be used. If you have high interest debt, can this help wipe it out? Have you been meaning to get your emergency fund started? What about retirement investing? Try to figure out now where you will allocate all this extra money you will have this year.

$10K Plan

• $4,000 Online Offers ( My goal is $1,000 per quarter )
• $1,000 High Interest Checking
• $1,000 Groceries ( going to try and drop from $100 a week budget to $75 a week )
• $1,000 Sale Shopping
• $500 Credit Cards
• $500 Mystery Shopping
• $400 Surveys/Market Research
• $400 Bank Offers
• $400 Phone/Cable/Household bills
  
• $300 Insurance
  
• $300 eBay/Craigslist
• $100 Online Searching
• $100 Misc

Total $10,000!

What is your homework for today's challenge?

Create your own personal Challenge for 2010! Then, come back as we begin breaking down each method in our challenge and get a jump start on the new year financially!

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