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Ebates is celebrating their 12th anniversary of being in business by offer 12% cash back or more at over 100 stores. They are also offering a $5 sign-up bonus to new members as they usually do. Mr. Rebates remains my favorite cash back online shopping portal but I do have memberships at Ebates and a couple of other cash back shopping portals. Mr. Rebates usually offers the highest cash back percentage but sometimes you might find a higher percentage at a different site or a store that isn’t on Mr. Rebates. In that case it makes sense to use the other cash back shopping portal. You can join either Mr. Rebates of Ebates and get a $5 sign up bonus by clicking on their respective links below.

The First National Bank of Sedan has a goal of assisting all members in meeting their financial goals. With a wide range of banking products and services, The First National Bank of Sedan boasts competitive interest rates that help members earn more. Today, The First National Bank of Sedan is offering a checking account rate of up to .50% APY.

Please contact The First National Bank of Sedan for checking account eligibility requirements like the minimum deposit and daily balance. Please note that rates are subject to change at any time at The First National Bank of Sedan’s discretion.

The First National Bank of Sedan, Kansas was founded in 1874 with the mission of “serving the needs of individuals, families, ranchers, farmers, businesses and the oil industry in the southeast Kansas area, including northern Oklahoma.” The staff and directors of this bank have always understood the prosperity of the bank is directly related to the prosperity of its customers, which is why customer service and financial assistance is so important. The bank branch is located on Main Street in Sedan, Kansas and features a 24-hour ATM. You a

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You can receive a $25 bonus when you open an account with Betterment.com. Betterment is a personal investment account that aims to blend the simplicity of an online bank account with the higher long-term returns associated with investing in stocks and bonds. The offer is valid only for new individual accounts with Betterment. To qualify for the bonus, you must make an initial deposit of $250 within 60 days of sign up and not withdraw that initial deposit for 60 days. Your participation is subject to the following terms and agreements: This promotion is not valid with any other offers and is non-transferable. Offer available to U.S. Residents only. Betterment reserves the right to terminate this offer at any time, to limit account bonuses you are eligible to receive, and to refuse or recover any promotion award if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment Account Agreements have been violated.

It is baffling that many people spend more time researching their car purchases than they do researching their mortgage purchase.  A study conducted by Harris Interactive and Zillow showed that individuals average around five hours for researching mortgage loans but average 10 hours for researching available car loans.  This lack of preparation can end up costing homeowners thousands of dollars over their life of their mortgage loan.  To avoid falling into this situation, here are a few tips that can help save you money during and after the mortgage shopping process.

Assess Your Financial Situation

Before you begin shopping for a mortgage loan, you should take a long, hard look at your financial situation to determine what you can afford.  Examining your finances should include obtaining your credit score from the three major credit reporting bureaus, reviewing your income and earning potential, and evaluating the amount of debt already carried.  As a general rule, the amount of your mortgage payment, including taxes and insurance, should be less than 30% of your average monthly income after taxes.

Review Mortgage Loan Variations

When choosing a mortgage loan, most people choose one of the two main types of mortgage loan – fixed rate or adjustable rate.  Fixed rate mortgages carry the same interest rate for the entire life of the loan, ensuring that the payment amount remains constant until the home is paid off, refinanced, or sold.  Adjustable rate mortgages have interest rates that fluctuate according to the terms of the mortgage agreement, which means that the payment amount can increase or decrease when the interest rate adjusts.  Reviewing the pros and cons of both types of mortgage loans can help you make an informed decision about which type of mortgage loan is best for your needs and your financial situation.

Get Multiple Mortgage Quotes Within 30 Days

Many borrowers only obtain quotes from a few mortgage lenders during the mortgage shopping process because they believe that having multiple lenders checking their credit will cause their credit score to decrease.  Due to rules put into place by the federal governments, borrowers now have a 30-day window in which multiple checks of their credit will not affect their credit score.  This means that you can get as many quotes as you want within that 30-day window and you will not be penalized for it.

Trans Texas Southwest Credit Union aims to provide members with quality, affordable financial services. As a member-owned financial cooperative, Trans Texas Southwest Credit Union puts members first. Today, they’re offering a competitive 12-month CD rate of 1.00% APY.

In order to be eligible for this CD account, you must first become a member of the credit union. Please contact Trans Texas Southwest Credit Union directly for more information regarding the minimum balance and other account requirements. Note that withdrawal before the account reaches maturity will result in a penalty. Rates are subject to change at any time.

Trans Texas Southwest Credit Union makes all their members the number one priority and aims to consistently offer members competitive share rates. Deposit accounts are a great way to easily invest your money while earning interest, which is why the Trans Texas Southwest Credit Union offers a variety of deposit accounts like interest bearing checking and even high-interest savings accounts. V

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