ShareBuilder $50 New Account Bonus and Free Trades

Sharebuilder 250

You know I love ING Direct products. I have both the Orange savings account for online savings and their Electric Orange checking account.  What I also have is a brokerage account with ShareBuilder (owned by ING Direct).  This is where I buy stocks outside of my IRA accounts.

ShareBuilder is offering a promotion where new customers get a $50 bonus for opening a new ShareBuilder account.  The offer is in effect until 6/30/12.  In order to receive the bonus you need to fund your account with $2,000.  And most important – make sure to enter the code 50LS12 when you sign up to make sure your account gets credited with the $50 bonus!
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Shred Your Credit Card – Giving Away Over $2000 to See You Destroy Your Credit Card

Shred Your Credit Card

Are you sick of your credit card? A lot of people are!  Now you have a chance to win cash prizes by destroying your credit card.

Perkstreet Financial and Lending Club are teaming up to help people end their reliance on credit cards. They are declaring January 31,2011 Shred Your Credit Card Day.  When credit isn’t used wisely it can snowball into tremendous debt.  Perkstreet and Lending Club want you to know there are alternatives to using a credit and that you can end your debt!

Shred Your Credit CardFrom December 15th, 2010 through January 29th, 2011, can can enter a video of yourself destroying your credit card(s) or why you are done with credit in 2011. Upload the video to ShredYourCreditCard.com and you can be entered to win!

Why you should participate (from the ShredYourCreditCard site):

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Save With eBillme Shopping and Gift Cards and Links

Have you heard of eBillme? I keep hearing about them but wasn’t sure what they are.  I looked into it and it seems like a pretty neat site.  For people who don’t want to use their credit cards to pay online, you have an alternative with eBillmeeBillme allows customers to use their bank’s online bill/pay option to pay for online transactions.

Here’s how the process works – You go to the eBillme site and look for the retailer you want to buy from.  You buy through the eBillme site.  You then get a receipt code from eBillme.  Open up your bank’s bill/pay option and use the code you were given to pay for what you bought.  Done!  No credit card.  No giving your account information to a retailer.  Pretty neat, huh?
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What Is Peer to Peer (Person to Person) Lending?

There has been a lot said about peer to peer (P2P) lending lately. With the economy and credit market crunch making it difficult to get more traditional loans, “alternative” lending opportunities are arising.  Peer to peer lending is a way for those who might be turned down by a bank to get the loans that they want/need, while providing an opportunity for investors to make some money by lending to others.

What is P2P (Person to Person) Lending?

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Companies That GET Customer Service

Great customer service goes a long way!

In today’s economy you would think that companies would be doing everything they can to not only get new customers, but keep the ones they already have. Unfortunately that’s not the case.  Some companies are clueless or simply don’t care.

But there are other companies out there that do totally GET customer service and understand how important the customer is.  They know that great customer service builds loyalty and keeps a customer.

Here are five companies that totally GET customer service:
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Busting Common Investing Myths – A Tweetup With Motley Fool’s Tom Gardner and ShareBuilder’s Dan Greenshields

Understanding stock selection

A little while back I had the pleasure of attending a Tweetup at the NYC ING Direct Cafe hosted by Sharebuilder‘s president Dan Greenshields with special guest speaker Tom Gardner, CEO of The Motley Fool.

For those wondering what a Tweetup is, it’s basically an organized meeting of sorts over the social site Twitter.  The meeting was held at the ING Cafe and people from all over could follow along and participate via Twitter.

The premise of the Tweetup was to help investors bust common investing myths and take the complexities out of investing.

I tried to takes notes as best I could so I could pass them along to you.  Keep in my I’m paraphrasing here and some of the words are mine, but I think you’ll get the general ideas of what was being said.

To start, Tom Gardner talked about four basic investing rules we should all follow (this is just part of his full list of rules):
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Tax Breaks You Can Still Get in 2010 to Reduce Your Taxable Income

Reduce taxable income with tax breaks.

The year is rapidly drawing to a close, and that means it’s time to really think about what additional breaks you might be eligible for right now. If you are concerned about reducing your tax liability for this year, it’s a good time to see what you qualify for.  The good news is that there is still time to qualify for a number of tax breaks in 2010.  Here are some of the tax moves you can still make:

Hybrid Car Purchase

Reduce taxable income with tax breaks.A tax credit passed in 2006 for the purchase of hybrid vehicles is still in effect — but it will end on December 31, 2010.  If you purchase certain hybrids, you could be eligible for a tax credit.  There are stipulations, though.  The tax credit is only available on the first 60,000 models sold by the manufacturer.  Some manufacturers have sold more than 60,000 units of some hybrid models.  However, there are still some hybrids that haven’t sold out.  FuelEconomy.gov has a page that shows you which models are still eligible for tax credits if you buy before the end of the year.
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It’s Not Too Late to Claim Energy Efficient Home Improvement Tax Credits

Tax credits can help you save on home energy costs

It’s never too late to make some needed improvements to boost the efficiency of your home’s energy usage.  For tax purposes, making a few around-the-house upgrades before the end of the year can contribute to a larger tax refund.

Not only will you be more energy resourceful, but you will save money in the long term, and the IRS will recognize these efforts by rolling out some energy credits to assist you with the costs.

Tax credits can help you save on home energy costsThere are two main types of credits available. The most common credit is money that you can get back for conventional home usage improvements, such as energy efficient windows and doors.  The second type of credit targets alternative energy investments, such as solar or wind powered additions.
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Find the Affordable Health Coverage You Need at eHealthInsurance.com – Review

eHealthInsurance_homepage

Health Insurance is critical- whether you are an individual or have a family; you need a way to cover both preventative medical care and emergency care.

Many employers are reducing or cutting health insurance benefits, leaving people with the need to find their own insurance options.  For a wide variety of affordable health insurance options for both individuals and families, consider checking a free quote at eHealthInsurance.com.

Get Quotes. Compare Plans. Apply Online.eHealthInsurance is the largest online resource for health insurance, offering the ability to compare the basics of a variety of health plans.  One of the best things about the eHealthInsurance website is you can receive live quotes, complete your application online and be approved in just minutes.
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LIFE Has A Way Of Screwing Up Budgets

You try to do the right thing.  You create a financial plan and set up a budget to follow in your home budget software or budgeting spreadsheet.  But it seems your budget still gets busted and it bugs the heck out of you!  What keeps messing up your calculations?!?  I’ll tell you what screws up your budget: L I F E.
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