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Featured Article How Much TV and Online Videos Do You Watch?The Economist has released a very interesting video (see below) about how dominant TV is compared to online videos. Yes people are viewing online videos more than ever on sites like YouTube, but TV still dominates even though competition within TV is extremely competitive. |
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WT Direct Offering 1.76% APY and Cash Bonus up $150
WT Direct is currently offering 1.76% APY and a cash bonus of up to $150 for new accounts. The bonus depends on how much money you deposit into your account.
You will get $150 for depositing $50,000, $100 for depositing $40,000, $75 for depositing $30,000, $50 for depositing $20,000 or $25 for depositing $10,000.
You must apply online to open a WTDirect Savings Account and deposit at least $10,000 by July 31, 2001. The bonus is determined by the initial funding amount. Use Promotion Code WFITC32.
Per the fine print, “To receive the bonus, a valid promotion code starting with the letters “WFIT” must be present on the application at the time of account opening. Account must remain open and in good standing through 10/31/09, the end of the promotion period. There is no minimum balance to open the account but the bonus is determined by the account balance at the time of initial funding, which must be a minimum of $10,000 and must remain on deposit through the end of the promotional period. Bonus will be credited to client’s WTDirect account on or about 11/20/09. WTDirect reserves the right to cancel or modify this promotion at any time without notice.”
For more information visit: WTDirect.com/cash-bonus
Never Pay to Take Online Surveys, They Should Pay You
Yes, you can get paid taking surveys online, but be very careful. First of all taking surveys online will not make your rich and will not provide a full time income unless you know something I don’t or you plan on taking surveys 24 hours per day 7 days per week. Taking surveys can be very time-consuming.
Second, never pay to take online surveys. There are many websites charging one time fees or membership fees to give you access to online surveys promising to make you a ton of money. Don’t believe the hype, it’s not true!
Taking surveys online will put a little spending money in your pocket in the form of cash or rewards (gift cards) when using legitimate survey websites. Below I’ve listed a few for you to checkout. Of course you can search Google for additional reputable sites.
Legitimate Online Survey Websites:
Discover Bank Penalty Free Early Withdrawal CDs
Discover Bank recently announced that they will allow penalty-free early withdrawals from their 12-month certificates of deposit for new and renewing account holders who lose their jobs.
Discover Bank is making this penalty-free offer on its most popular 12-month CD term at the same rate at which it would normally offer any CD for the same term. Accounts are FDIC-insured, and banking specialists are available by telephone 24 hours a day.
To be eligible, account holders must open or renew a 12-month CD with a minimum $2,500 balance between July 1 and Dec. 31, 2009. If the account holder involuntarily loses his or her job during the term of the CD, they will be allowed to make a partial withdrawal of the funds or close the account with a full return of their principal and any credited interest with no penalties. The program also applies to self-employed people under certain circumstances.
For more information or to open a penalty-free 12-month CD call 1-800-347-7000 or go online to www.discoverbank.com/12monthcd.
Discover Bank also offers CDs with terms from three months to 10 years. In addition to CDs, Discover offers Money Market accounts and IRA CDs. Discover Bank deposit accounts can be opened over the phone at 1-800-847-7000 or at www.discoverbank.com.
MySpace MyAds Offering $50 Credit to New Customers
If you are an online advertiser, MySpace MyAds will give you $50 towards advertising on their site with Pay per click banner ads. However, you must be a new advertiser.
You can spend as low as $5 per day. I signed up for the $50 and posted some ads. The service is pretty simple to use. You first create an ad using their free template or you can upload your own. You then choose who will see your ad depending on age, gender, location, hobbies and interest. You can also monitor your ad performance via their free reporting tools.
You control your pricing by setting a daily budget limit and how much you want to pay per click. The click prices are very reasonable; could be as low as $0.05 per click depending on who you want to target. You can change your budget and pay per click cost at any time.
After you create your ad, you will be asked for your credit card information. This is where you will enter the promotion code (PRO50 or SHOE50). The promotion codes are via ProBlogger.com and Shoemoney.com.
Of course, the MySpace ads aren’t as targeted as search engine ads; however, some marketers have been very successful using social media advertising such as MySpace and FaceBook to drive sales. Many large companies use social media advertising merely for brand recognition.
Bank of America Offers $25 for Paying Bills Online
Bank of America is offering $25 when you make 2 online bill payments within 30 days. All you need to do is to go to this link, enter your last name, the last 4 digits of your checking account, zip code and e-mail address. You then have 30 days to make 2 online bill payments. I just signed up, however, most of my bills are paid with my credit card to get 1-2%cashback (see Make Money Using Credit Cards)!
Paying your bills online will save you time and money in purchasing stamps, envelops and not to mention trips to the post office. When you pay online at Bank of America you are always protected by their $0 liability online banking guarantee which states that you won’t be held liable for any unauthorized activity originating from online banking or bill pay.
The Least and Most Expensive Autos to Insure
In today’s rough economy every dime counts. If you are in the market to buy a car you may want to consider a few other things besides the price tag, such as gas, maintenance and insurance.
According to Forbes.com below are the top 5 least and most expensive cars to insure.
Top 5 Least Expensive Cars to Insure
1. Hyundai Santa Fe, SUV, $832/year
2. Kia Sportage, SUV, $840/year
3. Hyundai Entourage, Minivan, $848/year
4. Kia Sedona, Minivan, $857/year
5. Kia Rio5, Passenger, $870/year
Top 5 Most Expensive Cars to Insure
1. Nissan GT-R,Sports car, $2,533/year
2. Dodge Viper, Sports car, $2,446/year
3. BMW M6, Sports car, $2,236/year
4. Ford Shelby GT500, Sports Car, $2,186/year
5. Mercedes-Benz G-Class, SUV, $2,088/year
For the full list visit Forbes.com.
Related Article: How To Save Money Buying Auto Insurance?
What to do if Immunization is Not Covered by Health Plan
My wife and I just had a beautiful baby boy! We recently had him vaccinated which we thought was covered by our insurance company, United Health Care (UHC). To our surprise the claim was denied because UHC doesn’t cover immunization. For 6 shots the doctor’s office billed us $565, which averages $94.17 per shot. There is no way I was paying $565 for 6 common immunization shots.
After doing some research I found out that the state of Georgia offers the shots for free if you can prove your insurance company doesn’t cover immunization or you don’t have insurance. This is why I think UHC doesn’t cover immunization; they know the state will. However, they should do a better job of notifying their customers of this.
I then called the doctor’s office to complain about the bill and I was told if I had notified them that my insurance company didn’t cover immunization, the shots would have been pulled from the Medicaid stock which would have only cost $10 per shot. (What the bleep!) The clerk stated it was too late to reverse the charges and use the Medicaid charges. She however discounted the bill by $130 which wasn’t enough.
I told the clerk that was unreasonable and that I’d write a letter to the doctor (see letter below). Well the letter worked. I received a call from the doctor’s office yesterday saying the bill would be adjusted to costing only $10 per shot.
One thing I’ve learned is to never let people take advantage of you. This is also why we need Healthcare Reform in this country!
See letter below of letter to the doctor’s office:
P. Birmingham
XXXX XXXXX XXX
XXXXXXXX, XX XXXX
XXX-XXX-XXX
XXX-XXX-XXX
June 22, 2009
Dr. XXXXX XXXXXX
XXX
XXX XXXXXXXXX XXXXX
XXXXXXX, XX XXXXXX
Dear Dr. XXXXX XXXXXX:
I am writing in regards to the bill (Statement #9149) received from your company for immunization shots given to our son (XXXXXX Birmingham) born on XXXXX XX, 2009.
To our surprise the immunization shots aren’t covered by our insurance company; United Health Care (UHC). However, charging us $565 for 6 immunizations is outrageous! If we had known UHC wouldn’t cover the shots, we could have gotten the shots for free from the state. I realize as a courtesy most medical offices check with a patient’s insurance company first for coverage before giving medical services and I wished your medical office would have done this for us.
I spoke to Vicky in billing about this issue and she stated had we notified her that our insurance company didn’t cover the immunization shots; the shots could have been pulled from the Medicaid stock which would have only cost $10 per shot costing $60 instead of $565. She stated it was too late to reverse the charges and use the Medicaid charges which I find unreasonable. She however discounted the bill by $130 which isn’t enough.
I am requesting that our account be adjusted with the $10 per shot. If you have any questions please call me at XXX-XXX-XXXX.
Sincerely,
P. Birmingham
