Tagged With "Bank Accounts"

Topic

Get $100 when you open a new account with Aspiration!

Briana ·
Many of you either know of or have been asking about, Aspiration. Well here's a pretty cool offer they're rolling out exclusively for Penny Hoarders - right now you can earn $100 by opening an Aspiration account. How cool! Here are the steps to follow: Open your Aspiration Spend & Save Account by April 30, 2019. Set up and receive a direct deposit from your paycheck or government benefits by June 28, 2019. You’re good to go! Keep your eyes peeled for that $100, which will appear in your...
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Re: Get $100 when you open a new account with Aspiration!

Moore Income ·
That is awesome that you are able to make this available to Penny Hoarders! I wish I could do it but unfortunately I already have an account. To anyone who doesn't, I definitely recommend highly!
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Re: Get $100 when you open a new account with Aspiration!

Bonnie Squires ·
BRIANA This is great that you could offer this to the group here. I all ready have an account with them but up till today new members like me get $25 and $25 for the charity but it ends today
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Re: Get $100 when you open a new account with Aspiration!

Wanda J. ·
I did everything asked for on app but was unable to link accounts and only offering me $50 to join? They have taken out $2 out of my account? I have emailed company but no reply??
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Re: Get $100 when you open a new account with Aspiration!

Wanda J. ·
I keep getting emails! Took $2 out of account!
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Re: Get $100 when you open a new account with Aspiration!

Bonnie Squires ·
WANDA J. I think the $2 they took out is monthly fee Which you can set to 0 . You will need to go into your setting and change it. I'm on a lap top so I don't no if its different from a phone but you can see where it has Pay What Is Fair It be fee setting click this and you can change it to 0 or up to $20 I think. MOORE INCOME my be able to help more. I just open my account so i'm still learning.
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Re: Get $100 when you open a new account with Aspiration!

Briana ·
We're going to contact Aspiration to make sure they connect with you asap. Thanks for letting me know!
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Re: Get $100 when you open a new account with Aspiration!

Moore Income ·
It has to be opened by today?
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Re: Get $100 when you open a new account with Aspiration!

Theodora ·
@Moore Income Please see The Penny Hoarder's article on the promo: https://www.thepennyhoarder.co...ration-sign-up-bonus
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Re: Get $100 when you open a new account with Aspiration!

Moore Income ·
@Theodora Thanks. I just wasn't sure but it does say April 30. I was hoping it was a bit longer so I could recommend it to others.
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Re: Get $100 when you open a new account with Aspiration!

friardave ·
I kept getting spam by them. No thanks.
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Re: Get $100 when you open a new account with Aspiration!

Bonnie Squires ·
BRIANA could all so could be a monthly fee to. If so than it would need to be changed.
Topic

Bad customer service from online banks?

Theodora ·
I recently opened an account with Ally Bank. I've only had to call customer service twice but already noticed that call wait times are significant. Has anyone else experienced this (or other customer service issues) with online banks? The need doesn't come up often to converse with a human at a bank -- but when it does (and it comes to your money) it's nice to know it's not difficult to get support.
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Re: Bad customer service from online banks?

Barbara Hajduk ·
I have my savings account with Ally and have never had any issues with customer service. I love the great interest rate we get with that account. Thinking of opening a checking account with them too.
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Re: High-interest savings accounts

Moore Income ·
Thanks for sharing this one. I am always on the lookout for out for high interest savings accounts. The space is getting pretty competitive so I think we will be seeing higher and higher interest accounts in the near future. I am excited about Robinhood as they just announced they will soon be launching a 3% savings account which I will most definitely be taking advantage of once it launches.
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Re: High-interest savings accounts

Adam ·
I recently opened a savings account with Ally. It had the highest APY that I saw at the time. It's been good so far. They allow for plenty of transfers per statement and partner with Zelle for immediate transfers. That being said, hearing about 2.4% and 3% APY is changing my mind lol
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Re: High-interest savings accounts

AverageJoe ·
Ally used to carry the payments on our Nissan Sentra before my wife was rear ended and nearly killed back in December of 2015. We dealt with them for 2 1/2 years, and they were very easy to deal with. We've considered putting our money in the "high" interest savings accounts, but, like you, haven't quite pulled that trigger yet. We've got a friend who is making more by putting his money into back taxes on small properties. He's getting on average of 6-8% a year on his money compared to...
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Re: High-interest savings accounts

Adam ·
Since this post, my Ally account shot up to 2.2%! I'm also seeing some bigger banks upping their game. Discover now has 2.10% APY savings account, which ain't too bad.
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Re: High-interest savings accounts

Vanessa ·
How are you getting 2.4% at Ally? Mine's only 2.2% right now.
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Re: High-interest savings accounts

Adam ·
No, you're right! That was a typo on my end. Ally upped their rates to 2.2%. I'll edit my other post
Topic

High-interest savings accounts

Alexis Grant ·
Savings accounts interest rates seem to be improving! We moved money to this account this weekend because of its 2.4% yield: https://www.mysavingsdirect.com/ (I have no affiliation with that bank, it's just the best rate we found.) Anybody else using a high-interest savings account we could all benefit from knowing about?
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Re: Would you leave your partner or spouse if they became disabled?

Moore Income ·
My immediate answer would be "NO I would not leave"... but it is easy to say that. Unfortunately, the world we live in is a lot more focused on "me" and when it comes to relationships, it is hard to find that level of commitment. I believe it is the right thing and only thing you should do to stay with your partner. But it will require a lot of sacrifice. I have a lot of respect for people like yourself who are willing to make that sacrifice! Like I said, it is a rare occurrence in this day...
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Re: Would you leave your partner or spouse if they became disabled?

Bonnie Squires ·
@Moore Income i agree with what you have said about people really take into account before getting into a serious relationship. There not many people that would stay and i find it sad. My husband is still the same man i met 39 years ago just his health is bad. He all so had the start of Alzheimer's. That isn't easy to deal with but its a part of life that I would not change. My husband tells me god sent him an angel when he sent me. Because of my up bring and things i been threw in my life...
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Re: High-interest savings accounts

BJLEE ·
Is it easy to transfer money to an online savings account such as Ally or Marcus? How does the transfer work?
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Re: High-interest savings accounts

AverageJoe ·
It is relatively easy. One takes and signs up for an account at the online bank of choice, fills out the requested information along with the amount to be transferred, and then there is usually a verification process, ie, the bank you're transferring will put in two small transfers to your account at the regular bank that equal less than a dollar. After these two have cleared, they will allow you to have the transfer take place. It usually takes anywhere from 3 to 7 days to ensure that the...
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Re: High-interest savings accounts

AverageJoe ·
BJLEE, I have never heard of anyone being charged a fee unless they sign up for an account that requires a certain amount to avoid such fees.
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Re: Bad customer service from online banks?

Bonnie Squires ·
THEODORA I'm sorry you had this trouble. I don't use big banks but i'm living in a small town.
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Re: Bad customer service from online banks?

Moore Income ·
@Theodora I use quite a few different online banks and investment apps and in my experience, it can vary from company to company. Some I call and get right away while others have long wait times. One investment company got rid of their telephone support completely and now only communicates via email. With a lot of financial institutions (banks, insurance, etc.) they tend to fall short when it comes to providing quality, quick customer service. That is one of the perks of having a local bank...
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Re: Bad customer service from online banks?

All we need is love! ·
Never heard of ally definitely will look into
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Re: High-interest savings accounts

Theodora ·
I've been thinking about Ally (not quite as high of a yield) -- since it's a one stop shop. Hoping to pull the trigger soon. Anyone else have feedback on Ally?
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Re: High-interest savings accounts

Vanessa ·
I've been using Ally for a couple of years and it's been great. I highly recommend it. Fantastic customer service and the website is easy to use.
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Re: High-interest savings accounts

Theodora ·
@Adam Maybe they will step up their game to compete! ;-)
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Re: High-interest savings accounts

Adam ·
I hope so, @Theodora!
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Re: High-interest savings accounts

Theodora ·
@AverageJoe Thank you for sharing your insights! So glad your wife is ok!
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Re: High-interest savings accounts

Former Member ·
I switched to Marcus for my emergency savings and I have been getting emails every few weeks to tell me the interest rate is going up. I started at 1.85% and got up to 2.25% in....maybe three months? I remember the days of a 5% interest rate....sigh!
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Re: High-interest savings accounts

Alexis Grant ·
Saw a great blog post on this recently: https://chiefmomofficer.org/20...s-of-accounts-today/
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Re: Would you leave your partner or spouse if they became disabled?

LeighofMar ·
I always hate when people say I know you didn't sign up for this or I didn't sign up for this. Yes, you did. If you took marriage vows, you did. Sickness and health, richer or poorer means what it means. We don't get to say, well, I didn't think it would be this bad so it's null and void. So does not work that way. I always wonder to myself about those who have left their disabled/ill partner, are they perhaps in the belief that they themselves will NEVER ever get sick? What goes through...
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Re: Would you leave your partner or spouse if they became disabled?

Bonnie Squires ·
@LeighofMar I'm 12 years younger than my husband. His health went before mine but my has been bad to. You said this so perfect. thank you for sharing.
Topic

Would you leave your partner or spouse if they became disabled?

Bonnie Squires ·
I've seen this question allot and all so been asked this question myself. My answer has all ways been no. When I took married it was for in sickness and death do us apart. That's 39 year tougher We have raised 8 kids most of this time husband was disabled. We even at one time had our grand kids and there mom dad staying with us. My husband worked up till he was about 40 years old, Thank his health started getting bad. Now he 63 and has been threw allot in the last year he quite smoking had 2...
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Re: As a child what did you want to be when you got older?

Moore Income ·
I wanted to be the President from a very young age... I still haven't given up on that dream. If it doesn't happen it's fine... but who knows!
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Re: As a child what did you want to be when you got older?

Bonnie Squires ·
@Moore Income that's a wonderful dream and I think you could do it.
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Re: As a child what did you want to be when you got older?

KellyFromKeene ·
I don't remember what I wanted to do as a child, but I know in High School I wanted to be a fabulous Psychiatrist, living the single life in NYC. haha. I couldn't be happier as a Social Worker, currently working with families receiving Section 8, and living in small town NH with those I love. Life is strange.
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Re: As a child what did you want to be when you got older?

Bonnie Squires ·
@KellyFromKeene yes life is strange. I'm glad you like what you do
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As a child what did you want to be when you got older?

Bonnie Squires ·
Hi As a child did you want to be a doctor or teacher ect? When I was younger I wanted to be a nurse or teacher. I was told that I could never be that. Well I do go back to school with my son and I got my GED and was told i could do any thing I wanted in Human resources. I choice a nurse and i could do most of the courses online threw video's but I got sick that year and can't work out side the home. Its funny because when my husband was in rehab I would help the cna and nurses. There was a...
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Re: A resources tab?

Moore Income ·
There is a page here for resources that The Penny Hoarder provides: https://community.thepennyhoarder.com/pages/resources Are you referring more to a Topic Thread where community members can share their own personal resources? There is a section here in The Guidelines that says that there should be no soliciting unless requested by the admins. I like the idea but I can see how it might get out of hand and be harder to moderate what some people would post. I think it would be a good idea as...
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Re: A resources tab?

The Saving Scientist ·
Hey Ron, Thanks for the reply. I guess I was thinking more along the lines of: if someone found a resource (not necessarily their own, so it wouldn't be self-promotion) that was really helpful for them, then they can share that with the community? But I get that maybe this blurs the lines a little with the guidelines.
Topic

A resources tab?

The Saving Scientist ·
Hi Penny Hoarders, I was wondering whether it's a good idea to have a "Financial Resources" tab which can serve as a type of directory for readers to access resources that might help their financial situation? Whether this includes budget templates or podcasts or blog posts etc. I know that it's likely that these would be posted within some of the established categories, but I think it might be nice to have a one-stop place to find them? Thoughts?
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Re: Would you leave your partner or spouse if they became disabled?

Johnson ·
No I wouldn't 😂. But lets face reality. Apart from religion and what other people say about marriage vows and the rest, it's very hard to watch the person you love not being able to carry out normal daily activities because of some mental or physical impairment. No normal person with a good heart will run away like that, unless you never loved the person from start. But No matter how righteous a person is, there's no way the thought of leaving that person won't come to mind, because you'd...
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Re: Would you leave your partner or spouse if they became disabled?

Moore Income ·
@Johnson It is true what you say about the thought being there. I think it truly does boil down to whether you love the person. Because true love is being able to look past self and focus on the needs of another.
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Re: Would you leave your partner or spouse if they became disabled?

Bonnie Squires ·
@Johnson That is the thing I do love my husband and would never leave him. I've been with him since I was 16 years old and I'm 52. He been there for me and I've been there for him.
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