As I write this, ING Direct is offering 4.25% APY on 12 months CDs. This is actually quite competitive, and you can’t beat the convenience if you already have money deposited with them. You might also want to look at Jim’s updated list of certificate of deposit rates, which lists the top rates for CDs in the 6-18 month range.

And while we’re on the subject of CDs, be sure to check out my previous article on building a CD ladder. It takes a bit of time, but it’s definitely worth the effort if you want to maximize your returns.

---
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» Current Debt Load Poll Results
» Money Poll #22: Current Debt Load
» Ally Bank Ten Day CD Rate Guarantee
» Mutual Fund Sales Loads: Just Say No
» Weekly Roundup – 11/10/06
» Avoiding and Reducing Mutual Fund Fees and Expenses
» How to Build a CD Ladder
» Standard Mileage Rate Increases for 2007

“[Washington Mutual] is the next most likely candidate to have major issues… They got into subprime lending, they got into ARMs. Their home equity book is quite large, and these losses are building and building and building… and they simply do not have the capital to absorb these easily.”

Wow, tell us what you really think. Apparently WaMu’s biggest mortgage bets are in areas with the weakest housing markets, making them especially vulnerable. Oh, and did I mention that WaMu recently entered into a “Memorandum of Understanding” with the Office of Thrift Supervision? No wonder they’ve been offering high-yield online CDs — they need capital.

The scariest part of this is that, according to Douglas McIntyre, editor of 24/7 Wall Street, a WaMu failure may be too big for the FDIC to handle alone, meaning that the U.S. Treasury Department would have to step in.

Source: ABC News

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Related Articles at fivecentnickel.com:

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» Breaking News: Washington Mutual to be Acquired by JPMorgan Chase (Update1)
» WaMu Improves Their Online CD Offer
» HSBC Drops APY, FNBO Direct and WaMu Hold Steady
» WaMu Drops Interest Rate, Alternatives Abound
» WaMu Increases Online Savings Interest Rate
» Inside the Washington Mutual Takeover
» The Sky is Falling: Reacting to Recent Stock Market Turmoil

The Carnival of Money Stories included “Watch Out for Online Bill Pay Errors.”

The Carnival of Taxes included “Appealing Our Property Tax Re-Assessment.”

The Carnival of Personal Finance included “The Future of Retirement?” Also included was “Do RFID Credit Cards Encrypt Data Before Sending?” from creditaddict.com.

The Festival of Frugality included “Options for Cutting Our Long Distance Phone Expenses.” Also included was “Free Summer Movies for Kids – 2008 Edition” from raising4boys.com.

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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “The Social Acceptability of Frugality.” Also included was “The Death of the No Fee 0% Balance Transfer Credit Card Offers” from creditaddict.com.

The Festival of Frugality included “Cheap Alternatives for Making Long-Distance Phone Calls?”

The Carnival of Family Life included “Our Allowance System: New and Improved.” Also included was “Things You Could Never Imagine Saying…” from raising4boys.com.

The Best of Me Symphony included “Ten Tips for Avoiding an Income Tax Audit.” Also included was “Disney Magic Caribbean Cruise Review” from raising4boys.com and “How to Improve Your Credit Score” from creditaddict.com.

The Carnival of Money Stories included “Stepping Back in Time: Our Life 10 Years Ago.”

The Carnival of Money Hacks included “Saving Money With Compact Fluorescent Lightbulbs.” Also included was “Credit Card Not Working? Lick It (Seriously)” from creditaddict.com.

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Our Allowance System: New and Improved.” Also included were “Hard vs. Soft Credit Checks and Your Credit Score” from creditaddict.com and “Teaching Kids About Money: Lead by Example” from raising4boys.com.

The Festival of Frugality included “The Social Acceptability of Frugality.”

The Carnival of Financial Planning included “How Much International Exposure Should Your Portfolio Have?”

The Carnival of Money Stories included “Appealing Our Property Tax Re-Assessment (Followup).”

The Best of Me Symphony included “The Lazy Cheapskate’s Guide to Saving the Planet.” Also included were “How to Improve Your Credit Score” from creditaddict.com and “Disney Magic Caribbean Cruise Review” from raising4boys.com.

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Our Investment Portfolio: Asset Allocation and Location.” Also included was “The Three Best Credit Cards” from creditaddict.com.

The Festival of Frugality included “Saving Money With Compact Fluorescent Lightbulbs.”

The Carnival of Debt Reduction included “Thoughts on Minimizing Debt While in College.”

The Carnival of Snowflaking included “Reducing Your Debt With Micropayments.”

The Best of Me Symphony included “The Value of Doing Your Own Taxes.” Also included was “How to Place a Fraud Alert on Your Credit Record” from creditaddict.com.

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Readers’ Choice: The Best Online Brokers.” Also included was “Are ‘Contactless’ (RFID) Credit Cards Safe?” from creditaddict.com.

The Carnival of Financial Planning included “Financial Infidelity.”

The Festival of Frugality included “Frugal is as Frugal Does?”

The Best of Me Symphony included “The Value of Doing Your Own Taxes.” Also included was “How to Place a Fraud Alert on Your Credit Record” from creditaddict.com.

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Best Jobs in a Bad Economy: Recession Proof Careers.” Also included was “Why Do Rate Cuts = Rate Increases?” from creditaddict.com.

The Carnival of Debt Reduction included “Are Bi-Weekly Mortgage Payment Plans Worthwhile?”

The Carnival of Money Stories included “Appealing our Property Tax Re-Assessment.”

The Festival of Frugality included “Frugal vs. Cheap: Where do you Draw the Line?” Also included was “Tax Rebate + Reward Credit Card = Big Grocery Savings” from creditaddict.com.

The Best of Me Symphony included “Net Worth Values – The Rich Get Richer?” Also included was “Credit Card Rental Car Insurance” from creditaddict.com.

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Credit Card Bonus Offers: $1200 Worth of Deals!” Also included was “Are You Willing to Sell Your Credit Score?”

The Carnival of Taxes included “How to Request an Income Tax Filing Extension.”

The Carnival of Financial Planning included “A Peek Inside Vanguard’s Portfolio Watch.”

The Best of Me Symphony included “Lessons Learned From Average Net Worth Values.” Also included was “What is Universal Default?”

Please also be sure to check out the Carnival of Debt Reduction over at Credit Addict.

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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “The Best High Yield Online Bank Savings Accounts.” Also included was “Beware of Falling Credit Limits” from creditaddict.com.

The Carnival of Money Stories included “Dealing With the (Possible) Theft of Your Personal Data.”

The Carnival of Taxes included “Ten Tips for Avoiding an Income Tax Audit.”

The Best of Me Symphony included “Common Tax Deductions.” Also included was “Pay Your Taxes With a Reward Credit Card?” from creditaddict.com.

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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

It’s been awhile since I’ve put together a list of credit card signup bonuses, so I thought I’d spend a little time compiling the best offers for best rewards credit cards for 2012 out there. While some of these cards have an annual fee, all are free for at least the first year. Note: given changes in offers, the total amount has dropped considerably below $1,300. If you see any new offers appear, please list them in the comments.

Now, without further ado, here are the offers…

» Chase Freedom Visa $100 Bonus Cashback

Signup bonus: $100 through this offer
When: After $500 in purchases w/in first 3 months
Annual fee: None
Benefits: 5% cash back on up to $1,500 spent in rotating categories like gas & groceries.

» Citi Forward Card

Signup bonus: 10,000 points
Redeem for: $100 in gift cards
When: After you make $650 in purchases and sign up for paperless statements within the first three months
Annual fee: None

» AmEx Starwood Preferred Guest Credit Card

Signup bonus: 25,000 points
Redeem for: Redeem Starpoints at over 1,000 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines
When: Earn 10K with your first purchase and another 15K when you spend $5,000 within 6 months
Annual fee: None for first year, $65 thereafter

» AmEx Preferred Rewards Gold Card

Bonus: 10,000 Membership Rewards bonus points
Redeem for: $100 in select gift cards
When: After you spend $1,000 in your first 3 months of Card membership
Annual fee: None for first year, $125 thereafter

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» Chase Freedom Rewards – $50 Signup Bonus
» Credit Card Bonus Offers: $1600+ Worth of Deals!
» Chase Freedom $200 Signup Bonus
» Citi Dividend Platinum Select Card
» AmEx Credit Card Signup Bonus Disappearing Soon
» Discover Brings Back Signup Bonus
» Chase Freedom $100 Cash Back Signup Bonus
» Applying for a Business Credit Card

The Festival of Frugality included “The Lazy Cheapskate’s Guide to Saving the Planet.”

The Festival of Stocks included “Investment Insights: Timing the Stock Market.”

The Carnival of Everything Finance included “Uncommon Charitable Tax Deductions” and “Middle-Class Millionaires: Your Questions Answered.” Also included was “Can Merchants Require an ID for Credit Card Transactions?” from creditaddict.com.

The Carnival of Personal Finance included “How to Manage Your Asset Allocation With Multiple Accounts.” Also included was “What is a Secured Credit Card?” from creditaddict.com.

The Carnival of Financial Planning included “Investment Insights: Staying the Course.”

The Best of Me Symphony included “Common Income Tax Deductions.” Also included was “Pay Your Taxes With a Reward Credit Card?” from creditaddict.com.

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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Reconsidering Our Asset Allocation.”

The Best of Me Symphony included “Saving for Retirement at the Last Minute.” Also included was “Are Credit Card Rewards Taxable?” from creditaddict.com.

The Festival of Frugality included “Save Money by Fixing Things Yourself.

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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Middle-Class Millionaires.” Also included was “Can Merchants Require a Minimum Purchase for Credit Card Transactions?” from Credit Addict.

The Carnival of Family Life included “The High Cost of Instant Gratification.” Also included was “Disney Magic Caribbean Cruise Review” from Raising4Boys.

The Carnival of Debt Reduction included “Seven Deadly Sins That Lead to Debt.”

The Carnival of Everything Finance included “Past Performance Does Not Predict Future Returns.” Also included was “What Do Credit Card Numbers Mean?” from Credit Addict.

Finally, the Best of Me Symphony included “Buying Gift Cards at a Discount.” Also included was “Negotiate With Credit Card Issuers” from Credit Addict and “Pneumonia, Bronchitis, and Birthdays, Oh My!” from Raising4Boys.

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Beware the Siren Song of Gift Cards.”

The Carnival of Money Stories included “Changing Our Reward Credit Card Strategy.” Also included was “What’s the Right Age to Start an Allowance?” from raising4boys.com.

The Best of Me Symphony included “Q&A: Debt Reduction Strategy.” Also included was “How to Build a Double (or Single) Desk on the Cheap” from raising4boys.com.

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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “How Does Zecco Make Money?” Also included was “What’s the Right Age to Start an Allowance?” from raising4boys.com.

The Festival of Frugality included “To Gift or Not to Gift: Frugal Gift-Giving Strategies.”

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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Ten Tips for Dealing With a Lost Wallet.”

The Best of Me Symphony included “How to Decide if Travelling to a Sales Tax Holiday is Worthwhile.” Also included was “Soccer Gameday Tips for Parents” from Raising4Boys.

The Carnival of Money Stories included “Our Home Renovations: The Beginning.”

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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Taxes included “Using IRA Funds to Pay Off a Student Loan.”

The Carnival of Debt Reduction included “Q&A: Dave Ramsey and Debt Reduction.”

The Carnival of Personal Finance included “Switching to a Bank of America Money Market Account.”

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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Dealing With Found Money, Followup.”

The Best of Me Symphony included “Five Reasons you Should Care About your Credit (FICO) Score.” Also included was “Nine Year Olds and the Tooth Fairy” from raising4boys.com.

The Carnival of Debt Reduction included “Q&A: Debt Reduction Strategy.”

The Carnival of the Capitalists included “Vanguard Reduces Barrier to Entry for Voyager Services.”

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» Carnivals – Week of 04/10/06
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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Festival of Frugality included “High Electric Bills and the Battle Against Increasing Energy Costs.” Also included was “How to Build a Double (or Single) Desk on the Cheap” from raising4boys.com.

The Carnival of Personal Finance included “Borrowing Money from an IRA.”

The Carnival of Debt Reduction included “How to Profit from 0% Balance Transfer Credit Card Offers.”

The Carnival of Financial Planning included “Q&A: Using IRA Funds to Purchase a Home Outside the U.S.”

Finally, the Best of Me Symphony seemingly experienced a technical hiccup and ended up including multiple posts from a number of sites. Here are the posts from FiveCentNickel:

Ten Tips for a Successful Moving Sale
Five Reasons you Should Care About your Credit (FICO) Score
Credit Card Bonus Chasing and Your Credit Score

Also included were the following posts from raising4boys.com:

Nervous Tics in a Nine Year Old Boy
Raising Boys vs. Girls? A Systematic Approach to Deciding the Easiest
Planning on Building a Tree House

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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of the Taxes included “Using IRA Funds to Buy a House – Good or Bad Idea?”

The Carnival of Homeowners included “Mortgage Fees: What’s Legit and What Isn’t.”

The Carnival of Financial Planning included “Do You Need Longevity Insurance?“

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» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06
» Carnivals – Week of 03/20/06

The Carnival of Personal Finance included “How to Make Money in the Stock Market.”

The Carnival of the Capitalists included “How to Make Money in the Stock Market (Revisited).”

The Best of Me Symphony included “How Movie Theaters Make Money.” Also included was “Nervous Tics in a Nine Year Old Boy” from raising4boys.com.

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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of the Capitalists included “Money and Happiness.”

The Carnival of Personal Finance included “It’s Okay to Spend Money.”

The Best of Me Symphony included “Eco-Friendly Energy Savings.” Also included was “A Private Matter (Beware: Bathroom Humor Ahead)” from raising4boys.com.

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» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of the Capitalists included “The Dow Jones Industrial Average: Then and Now.”

The Carnival of Personal Finance included “Online Banking Comes of Age.”

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» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06
» Carnivals – Week of 03/20/06

The Best of Me Symphony included “Are You a 0% Credit Card Daredevil?.” Also included was “A Single Letter Can Mean So Much…” from Raising4Boys.

The Carnival of Personal Finance included “The Three Best 529 Plans.”

The Carnival of Financial Planning included “The Very Best 529 Plans?”

The Festival of Frugality included “How to Decide if Travelling to a Sales Tax Holiday is Worthwhile.”

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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Best of Me Symphony included “Roth IRA Conversion Limits Going Away.” Also included was “The Number One Reason Boys are Better Than Girls” from raising4boys.com.

The Carnival of Personal Finance included “$800 in Credit Card Bonuses (Anyone Can Apply).”

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Cash Out Roth IRA to Pay Off House?”

The Carnival of Taxes included “Roth IRA Conversion Limits Going Away.”

The Festival of Frugality included “Save Money on Life Insurance by Paying Annually.”

The Best of Me Symphony included “Ask for Credit Card Fees to be Reversed.” Also included was “Ten Things That I’ve Learned in Life” from raising4boys.com.

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

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Related Articles at fivecentnickel.com:

» Don’t Believe Everything that You Read
» PFBlogs.org Rocks the House
» Personal Finance Blogging Takes Off
» Carnival of Personal Finance at MoneyBlogNetwork
» Sunlight Calculator for Gardening
» Fannie Mae and Freddie Mac Failure is Looming, Takeover Imminent
» Create Your Very Own Personal Finance Weblog
» Ten Steps to Simplify Your Finances, Part 3

The Carnival of Personal Finance included “Net Worth vs. Net Investable Assets.”

The Carnival of Debt Reduction included “New 0% Balance Transfer Credit Card Offers.”

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06
» Carnivals – Week of 03/20/06

The Best of Me Symphony included “How I Dodged a Speeding Ticket.” Also included was “Allowance Insights” from raising4boys.com.

The Carnival of Personal Finance included “The Importance of Buying Flood Insurance.”

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» New 0% Balance Transfer Credit Card Offers
» Carnivals – Week of 04/10/06
» Carnivals – Week of 11/06/06
» Carnivals – Week of 01/08/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Playing the Percentages: The Effects of Gains and Losses.”

The Best of Me Symphony included “Save Energy, Cut Your Taxes.” Also included was “Swimsuit Shopping a Pleasure? You Bet!” from raising4boys.com.

The Carnival of Shopping included “How Do You Keep Track of Receipts?”

The Carnival of Taxes Included “Estimated Taxes and Avoiding Underpayment Penalties.”

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Best of Me Symphony included “How to Profit from 0% Balance Transfer Credit Card Offers.” Also included was “Potty Training Success (So Far)” from raising4boys.com.

The Carnival of Personal Finance included “Asset Allocation in Our TIAA-CREF 457(b).”

The Festival of Frugality included “Don’t Be Afraid to Ask for a Discount, The Sequel.”

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» Carnivals – Week of 04/10/06
» Carnivals – Week of 11/06/06
» Carnivals – Week of 01/08/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “How to Prioritize Your Retirement Accounts.” Also included was “Buying a Nikon Coolpix L10: That Boy Sure Can Save!” from raising4boys.com.

The Best of Me Symphony included “Dave Ramsey is Good at Psychology.” Also included was “Preschool Registration Madness” from raising4boys.com.

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» Carnivals – Week of 11/06/06
» Carnivals – Week of 01/08/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “FDIC Insurance Higher on Retirement Accounts.”

The Carnival of Debt Reduction included “Ask for Credit Card Fees to be Reduced.”

The Festival of Frugality included “Buying New Bedroom Furniture: Shop Around and Negotiate.”

The Carnival of Taxes included “Roth IRA Income Limits for 2007.”

And finally, the Best of Me Symphony included “Ten Simple Ways to Cover Your Ass(ets).” Also included was “Five Year Old Birthday Party Disappointment” from raising4boys.com.

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival or Personal Finance included “Avoid Check Washing With Special Ink?”

The Best of Me Symphony included “12 Simple Ways to Save Money on Utilities (and the Planet).” Also included was “Transitioning from Crib to Bed and Bye, Bye Pacifier” from raising4boys.com.

The Carnival of Credit Cards included “Amex $150 Signup Bonus may Still be Alive.”

The Carnival of Debt Reduction included “Georgia Upholds Ban on Payday Loans.”

The Carnival of Taxes included “Minimizing Our Taxes with a SEP-IRA, 403(b) and 457(b).”

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Related Articles at fivecentnickel.com:

» Carnivals – Week of 04/10/06
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» Carnivals – Week of 08/13/07
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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “How to Decide When to Refinance Your Mortgage.” Also included was “Allowance Insights” from Raising4Boys.

The Best of Me Symphony included “Free Bonus Miles for Applying for Frequent Flyer Credit Cards.” Also included was “Tips for Avoiding Obesity in Kids” from Raising4Boys.

The Carnival of Debt Reduction included “More Thoughts About Refinancing Our Mortgage.”

The Carnival of Credit Cards included “My Favorite Reward Credit Card.”

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Related Articles at fivecentnickel.com:

» Carnivals – Week of 04/10/06
» Carnivals – Week of 11/06/06
» Carnivals – Week of 01/08/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

Flexo spent a record amount on electricity last month.

Jim talks about the risks of dollar cost averaging.

FMF shares his opinion of DRIPs.

JLP talks about internet radio stations and royalties.

MBH is dreaming of a new (old) car.

My Retirement Blog takes a closer look at the 4% retirement withdrawal rule.

Finally, Nick muses about how much you’ll save with the new and improved, longer than ever Daylight Savings Time.

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The Best of Me Symphony included “0% Balance Transfer Credit Card Offers to Start the New Year Right.” Also included was “Swallowed a Button Cell Battery? Nope (Thankfully)” from raising4boys.com.

The Carnival of Personal Finance included “How to Profit from 0% Balance Transfer Credit Card Offers.”

The Carnival of Taxes included “Get Your Telephone Tax Refund.” Also included was “Q&A: 2006 Child Tax Credit” from raising4boys.com.

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Related Articles at fivecentnickel.com:

» Carnivals – Week of 04/10/06
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» Carnivals – Week of 01/08/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Best of Me Symphony included “Become and Amazon.com Price Drop Ninja.” Also included was “Ten Most Dangerous Toys of 2006” from raising4boys.com.

The Carnival of Credit Cards included “Applying for a Business Credit Card.”

The Festival of Frugality included “Free Long Distance Calls Via Google Maps.”

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» Carnivals – Week of 04/10/06
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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Always (Always!) Double-Check Your Medical Bills.”

The Best of Me Symphony included “How to Protect Yourself Against Identity Theft.” Also included was “How to Take Responsibility When You’re Four” from raising4boys.com.

The Carnival of Debt Reduction included “Dave Ramsey is Good at Psychology.”

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» Carnivals – Week of 01/08/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Carnival of Personal Finance included “Ten Ways to Cover Your Ass(ets).”

The Carnival of the Capitalists included “Use ‘Em or Lose ‘Em: Frequent Flyer Programs Accelarate Expirations.”

The Best of Me Symphony included “How to Protect Your Privacy in Three Easy Steps.” Also included was “Ten Most Dangerous Toys of 2006” from raising4boys.com.

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Related Articles at fivecentnickel.com:

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Best of Me Symphony included “The Social Security Tax Ceiling.” Also included was “Discount Disney Tickets” from raising4boys.com.

The Carnival of Taxes included “Don’t Miss These Tax Deductions.”

The Carnival of Personal Finance and the Carnival of the Green included “12 Simple Ways to Save Money on Utilities (and the Planet).”

The Carnival of Entrepreneurs included “Keeping Your Business and Home Life Separate.”

The Carnival of Credit Cards included “Free Bonus Miles for Applying for Frequent Flyer Credit Cards.”

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Related Articles at fivecentnickel.com:

» Carnivals – Week of 04/10/06
» Carnivals – Week of 11/06/06
» Carnivals – Week of 01/08/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Best of Me Symphony included “Putting Together an Estate Plan.” Also included was “Installing a Basketball Hoop” from raising4boys.com.

The Carnival of Credit Cards included “Free Bonus Miles for Applying for Frequent Flyer Credit Cards.”

The Carnival of Entrepreneurs included “Renting a Post Office Box.”

The Carnival of the Capitalists included “How to Get an Employer Identification Number (EIN).”

Finally, I hosted the Carnival of Personal Finance.

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Related Articles at fivecentnickel.com:

» Carnivals – Week of 04/10/06
» Carnivals – Week of 11/06/06
» Carnivals – Week of 01/08/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

This site is nearly two years old, and the archives contain a virtual treasure-trove of personal finance information. Feel free to poke around and explore. You might also be interested in subscribing to the site feed (via RSS or e-mail). It’s a full-text feed, so you’ll get every word that I write delivered to your doorstep free of charge. In case you don’t know, my wife and I also run a joint parenting weblog called Raising4Boys. As with FiveCentNickel, we offer a full text feed via either RSS or e-mail.

Anyway, lets get to the Carnival. As usual, we received a lot of entries this week. Most were appropriate, but some were not. I decided to enforce the submission guidelines a little more stringently this week, so… If I happened to notice that your submission has previously been included in another Carnival, I kicked it out. And if I happen to notice that it’s in another Carnival later this week, then I may go back and remove it. Likewise, if it was over two weeks old (or lacked a date), off-topic (in my opinion), or just plain spammy, then it didn’t make the cut. And if you didn’t submit by the deadline… Well, sorry.

With that said, I’ve picked out a smattering of “Editor’s Choice” posts that caught my eye. After that, I’ve listed all other submissions that met the Carnival criteria. There are 57 58 articles in all (I left one out by accident — be sure to click through and read the last article at the very end of the Carnival to make up for my oversight!).

» Jim from Blueprint for Financial Prosperity leads us off with A Historical Look at Tax Brackets. If you think you’re paying to much in taxes right now, take a look at how bad things have been in the past!

» Andy from Money Walks put together a nice primer on mutual funds called Mutual Funds 101.

» Lou Keeble from Stranger in a Strange Land put together an interesting critique of the Motley Fool investing strategy (and their reported returns) called A Fool and His Money… .

» Pete from My Financial Awareness has some deep thoughts for you about accepting your lot in life. His article is called Acceptance of Your Financial Situation Can Be Freeing.

» Dan Melson from Searchlight Crusade has an insightful piece called What to Do When Your Loan is Declined. If you’re thinking of buying a house, you should check it out. Actually, check out all of Dan’s writings — they offer a boatload of valuable insight.

» My Financial Journey put together an amusing piece on the odds of winning the lottery called Get Rich!! Play the Lottery!! Somebody has to win!!. Check it out. It’s good for a chuckle.

» Blunt Money ran a detailed Quicken report on spending based on twelve years of data. The resulting post is called That’s a Lot of Money. I picked this one for the idea more than the article itself… It’s really interesting (and a little scary) to dig back through your old data to see where your money went.

» The Stubborn Capitalist has a an entertaining little guide to help you recognize the difference between frugality and just being cheap. Be sure to go check out Frugal vs. Cheap.

» NCN from the No Credit Needed Blog put together a nice piece on goal-setting called Creating a Personal Finance Goal.

Next up are the balance of the submissions in all their cut-and-paste glory. Some are great, and just missed inclusion as an “Editor’s Choice.” Others are good, solid contributions. And the rest? Well… You’ll have to be the judge on that…

FMF presents Three More Ways to Insure Income for Life During Retirement posted at Free Money Finance.

mbhunter presents More Retail Jobs Being Replaced by Machines posted at MightyBargainHunter.com.

Flexo presents Investing: Real Estate vs. Stock Market posted at ConsumerismCommentary.

jim presents Roth 401k vs. Regular 401k posted at My Retirement Blog.

mapgirl presents True Me Up, Baby! posted at Mapgirl’s Fiscal Challenge.

Scott presents The Wealthy Barber posted at My Life and Times.

Chuck presents High Yield Business Savings Accounts posted at The Finance Journey.

Living Almost Large presents Keeping Up With the Joneses or Not? posted at Living Almost Large.

Sun presents Understanding M*’s Total Return and Investor Return posted at The Sun’s Financial Diary.

Stingy Student presents Student Loan Corporation Doesn’t Know Jack posted at Stingy Students.

Andy Oshiro presents General tips on Insurance posted at Exchange Ingredients.

Robert D. Flach presents Get Your Free Credit Report Today! posted at The Wandering Tax Pro.

Martin presents Beware: 0% APR Game posted at Money Blog SiteBank.

tc presents Advisers ARE Better Than Commission Advisers posted at InvestmentsLoans.net.

FIRE Finance presents Research – Safekeeping of Records posted at FIRE Finance.

Steve Faber presents Debt Consolidation Loan Problems You Must Avoid posted at Debt Free.

Getting To Enough presents How Did You Really Do Last Year? posted at Getting To Enough.

Elizabeth presents What’s it Worth to You? Liquor, Lotteries, and Cast Iron Pans posted at Money for the Rest of Us.

Silicon Valley Blogger presents The American Idol Career Path: Reality Bites posted at The Digerati Life.

Clever Dude presents 3 Methods to Pay Down Debt (aka Snowballing Debt) posted at Clever Dude.

Lua presents Switching to Geico posted at Save Money.

Yan presents De-LIGHT-ful Savings posted at Pro Bargain Hunter.

TFB presents Tax Software: Online or Desktop? posted at The Finance Buff.

Jose Anes presents Your Manager Does Not Want You to Leave: Does He/She? posted at Money And Investing.

Mr. Credit Card presents Transfer HELOC to Balance Transfer Credit Cards? posted at Ask Mr. Credit Card’s Blog.

Trent presents Deconstructing Robert Kiyosaki posted at The Simple Dollar.

Paula presents Lose Weight; Fatten Your Wallet? Is That Really True? posted at Queercents.

Paul Michael presents Can You Really Make Money From Taking Online Surveys? posted at Wise Bread.

The Dividend Guy presents Watching Dividend Payments Grow posted at The Dividend Guy Blog.

Brett McKay presents Do You Believe in Money (or Law School) Magic? posted at The Frugal Law Student.

Super Saver presents Retirement Calculator Evaluation Roundup posted at My Wealth Builder.

Scott On Money presents Credit Score Going Down, Down, Down posted at Scott On Money.

Manny presents Success Master Skills – Saving Money posted at Success Books.

King of Debt presents Closing The Orchard Bank Credit Card posted at We’re In Debt.

Smarty presents Money Management 201 posted at Growing Money.

Kevin Surbaugh presents How To Plan The Unexpected posted at Becoming & Staying Debt Free.

Sagar Satapathy presents Know How to Borrow posted at Debt Consolidation Lowdown.

TJP presents Who Wants to Be a Millionaire? posted at Investor Trip.

Paul Smith presents Magazine Tips and their effect on shares posted at Investing using Fundamentals on the Aussie StockMarket. (Editor’s Note: Ignoring taxes and trading costs can be hazardous to your wallet.)

MakingOurWay presents The Great Big Lie About Personal Finance Blogging! posted at MakingOurWay.

William Wallets presents Creating a Fixed Income Ladder posted at A Financial Revolution.

Sharon at Frugal Duchess presents ‘Stomp the Yard Movie’ Features Work-Study College Student posted at Frugal Duchess.

Ben presents Our Personal Finance State of the Union Address posted at Money Smart Life.

Tricia presents Would You Lend $750,000 to Complete Strangers? This Man Has posted at Blogging Away Debt.

Peg presents Musings on Commuting posted at “Ai ya!”.

David presents Received Student Loan Check Today, What Should We Do With It? posted at My Two Dollars.

Finance Girl presents Prioritizing Between 401(k) and Roth IRA Contributions posted at Financial Fitness.

Jonathan presents Model Retirement/Investment Portfolios: A Comparison posted at My Money Blog.

Larry Russell presents Evaluate the Historical Investment Performance of Mutual Funds and ETFs, but Only AFTER Using Other Screening Criteria posted at The Skilled Investor Blog.

ISPF presents 12 Tips for Finding the Best Financial Aid posted at Personal Finance for Students and Fresh Grads.

(That one just above is the one that I forgot. Click it! Read it!)

That’s it! Thanks to all who participated, and double-thanks to all who help get the word out by linking back to the Carnival. Have a great week!

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Related Articles at fivecentnickel.com:

» 24 Hours of Personal Finance
» Carnival of Personal Finance at MoneyBlogNetwork
» Carnivals – Week of 10/01/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» First Carnivals of 2006
» Carnivals – Week of 04/17/06
» Carnivals – Week of 01/29/07

The Carnival of Personal Finance included “0% Balance Transfer Credit Card Arbitrage in Action.”

The Best of Me Symphony included “Reward Credit Cards – What’s in My Wallet?” Also included was “Dealing With a Finicky Four Year Old Eater” from raising4boys.com.

The Carnival of the Capitalists included “Don’t Miss These Tax Deductions.”

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» Carnivals – Week of 04/10/06
» Carnivals – Week of 11/06/06
» Carnivals – Week of 01/08/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Best of Me Symphony included “My Best and Worst Money Moves.” Also included was “Don’t Let Your Kids Get Ahold of Your Checkbook” from raising4boys.com.

The Carnival of Personal Finance included “Ten Steps to Simplify Your Finances.”

The Festival of Frugality included “Free Bonus Miles for Applying for Frequent Flyer Credit Cards.”

The Carnival of the Capitalists included “Correcting Roth IRA Contribution Mistakes.”

The Carnival of Credit Cards included “0% Balance Transfer Credit Card Offers to Start the New Year Right.”

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» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

The Best of Me Symphony included “Five Questions (and Answers) About Blog Carnivals.” Also included was “Getting Kids Moving With a Pedometer” from raising4boys.com.

The Carnival of Personal Finance included “How our Estate Plan is Structured.”

The Carnival of Debt Reduction included “0% Balance Transfer Credit Card Offers to Start the New Year Right.”

The Carnival of Taxes included “Important 2007 Tax Filing Deadlines.”

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Related Articles at fivecentnickel.com:

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» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06
» Carnivals – Week of 03/20/06

The Carnival of the Capitalists included “Why do Credit Cards Expire?”

The Carnival of Personal Finance included “Juicy Amex Credit Card Signup Bonus Disappearing Soon.”

The Best of Me Symphony included “Don’t Be Afraid to Ask for a Discount.” Also included was “Playgroup Connections, Part Deux” from raising4boys.com.

The Festival of Frugality included “Become an Amazon.com Price Drop Ninja.”

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» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06

Below, I’ve compiled a list of current 0% balance transfer credit card offers from a variety of issuers. These cards are a great tool for killing off high-interest credit card debt. When combined with a high-yield online savings account these cards are also great for credit card arbitrage. All of these cards offer 0% APR and no annual fee, and some also offer rewards credit card and/or signup bonuses.

Zero Percent APR Balance Transfer Offers

1. Citi Platinum Select Mastercard has the longest 0% balance transfer offer at 18 months. Also 0% intro APR on purchases for 18 months. No annual fee.
2. Citi Diamond Preferred 0% Intro APR on Purchases for 18 months and 0% on Balance Transfers for 18 months. After that, the APR will vary with the market based on the Prime Rate. Both the rate and term of this offer will be based on your creditworthiness. No annual fee.
3. Chase Freedom Visa – $100 Bonus Cash Back + 0% Intro APR 0% APR & balance transfers for 12 months, no annual fee. 5% cash back offers in bonus categories like gas stations, restaurants, hotels, movie theaters and more subject to quarterly enrollment and maximum. 1% unlimited cash back on all other purchases with no spending tiers or caps on how much you can earn.
4. Discover More 0% intro APR on balance transfers for a full 15 months. 0% intro APR on purchases for a full 15 months.  No annual fee. 5% cash back bonus in categories that change like gas, restaurants, department stores and more. Limitations apply*
5. Pen Fed Promise Visa Absolutely no fees, including no fee on balances transferred. Introductory Purchase Rate 7.49% APR for the first 36 months. Afterwords, the APR will vary with the Prime Rate and is currently 9.99% APR. No annual fee.
6. Slate(SM) from Chase – No Balance Transfer Fee with excellent or good credit this card offers 0% Intro APR for up to 15 months on both balance transfer and purchases. No balance transfer fee when you transfer your higher rate balances during the first 30 days your account is open. No annual fee.

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Related Articles at fivecentnickel.com:

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» 0% Balance Transfers: 18 Months from Citi Platinum Select
» New 0% Balance Transfers from Discover
» Credit Limits Poll Results

The Carnival of Personal Finance included “How to Protect Yourself Against Identity Theft.” Also included was “Roll Your Own Discount on Disney Tickets” from raising4boys.com.

The Best of Me Symphony included “Don’t Be Afraid to Ask for a Discount.” Also included was “Teaching Kids the Value of a Dollar” from raising4boys.com.

The Carnival of the Vanities included “How to Protect Your Privacy in Three Easy Steps.”

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Related Articles at fivecentnickel.com:

» Carnivals – Week of 04/10/06
» Carnivals – Week of 11/06/06
» Carnivals – Week of 01/08/07
» Carnivals – Week of 08/13/07
» Carnivals – Week of 05/28/07
» Carnivals – Week of 09/03/07
» Carnivals – Week of 05/21/07
» Carnivals – Week of 03/27/06