Category Archives: Save Money

Awesome Disneyworld Discounts

Have you ever been to Disneyworld? No? Well, you should definitely visit as it’s a great place for the entire family! For most people a trip to Disneyworld can be pricey. That’s where I come in and tell you that a friend of mine can get you a really sweet deal on Orlando, Florida vacations. Hear out his offer:

My name is Nick and I want to give you an opportunity to visit the World’s #1 vacation destination, Orlando Florida.  I have set up this unique program so that families can get the most bang for their buck.  Times are tough but you still deserve a vacation.  I can help you make it affordable.

All that is required is a two hour visit to Orange Lake Resorts in Kissimmee which is ten minutes from Disneyworld.

I have been to dozens of resorts and Orange Lake is by far the best one I have visited.  I want everyone to have an opportunity to see this wonderful resort and all its amenities.

For $199 you get 4 days and 3 nights at Holiday Inn Sunspree near downtown Disney.  You also receive two FREE tickets to any major Orlando theme park.  (over $120 in value) This includes Disneyworld, Seaworld, Epcot, Universal Studios plus many others FOR $199!  All that is required is a two hour presentation at Orange Lake Resorts.  One of the finest resorts in Orlando.

For a small fee you can upgrade and actually stay at the resort!

Call 1-800-704-4376

for more details.

Don’t forget the referral code:
6083731

so you can get the discounted price!

See you there!

By the way, Nick has a website you can check out.

Dizzydisneydeals.com

Enjoy the discount and make sure you have fun in Orlando, Florida – it’s a fun place to visit!

Cheers,

Alan

8 easy ways to save money

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Hi everyone. In today’s economic climate the art of saving money is once again being called into action. For far too long the culture of living beyond one’s means has dominated North American society and given the ease with which one was able to obtain credit during the so called “boom times” it is not surprising that so many people have fallen into this trap. Now with credit being harder to obtain and job losses climbing many people are experiencing the austerity of economic reality, and in austere times cash is king. Thus it would be wise to learn to save as much money as possible.  Here are 8 easy ways to save a bit of money:

• Get a savings account and deposit money into it regularly. It might seem elementary, but you’d be surprised how many people admit to never opening one. It makes your credit rating instantly better, because banks look favorably on people who can save.

Additionally,  it is recommended that you have six months worth of income in this account, which might save you from instant debt if you lose your job.

• Think of your lean financial periods, instead of your more prosperous times, as being ‘normal’ —  especially if you don’t work on a fixed salary. Immediately save any extra money you make, and don’t spend beyond your means.

• Keep your credit card in the freezer. The card will have to thaw out before you can make a major purchase, and this will cut down on impulsive spending. This is a bit extreme, but if you can’t resist the temptation to “charge it” then it is definitely worth doing.

• Resist debit card use during day-to-day transactions like grocery shopping. You’ll probably spend less when you can see how much cash you’re handing over. When you use debit cards (in stores), you aren’t told the balance you have left over in your banking account, so you can stay fairly unconscious of how much money you actually have.

• Severely limit the time spent watching home-shopping channels or surfing retail Web sites, because you might be tempted to spend more money. Also, try to limit your exposure to anything else that triggers pleasant memories of shopping, like advertising.

• If you spend a lot of money on a craft or hobby, consider turning it into a part-time job. You can recover what you’d normally spend on raw materials or tools from clients willing to pay for your services. You might be able to write-off some of your expenses at tax time, as well.

• Earn extra money by selling your unwanted books, CDs or clothes to second-hand stores or auctioning them off on the internet. This is where eBay or Kijiji come in handy by the way.

• Spend some personal time with your bankbook. For instance, many people don’t keep track of their monthly ATM and debit card transaction limit, and the ‘hidden’ user fees from going over this amount can add up over time. Or better yet open up a no fee checking account.

If you live in Canada, checkout my review of Canada’s most popular no-fee checking account here. Also, I know for sure you can find no fee checking accounts in the United States (Bank of America being one such example bank), but I’m not sure about the rest of the world.

I hope you found this article informative and useful. I invite you to join my Money Guru forum if  you wish to discuss/share money saving tips and ideas.

http://www.moneyguruforum.com

Until next time, I wish you all the best.

Cheers,

Alan

http://alansmoneyblog.com

TD Canada Trust 4% 2-Year GIC Offer

Hello my fellow Canadians, and investors. I’d like to share with you a GIC investment offer I came across on the website of one of Canada’s largest banks – TD Canada Trust. They’re offering a 4% interest rate on what they call their “Premium Rate Redeemable” GIC. Keep in mind that these are cashable GICs.

For more details checkout this link:

http://www.tdcanadatrust.com/GICs/GICTable.jsp

Thanks for your attention, and happy investing!

Alan
http://alansmoneyblog.com

TD Canada Trust Guaranteed Investment Account Interest Rate Bonus

Attention all Canadian savers. I just came across this special savings account offer from TD Canada Trust, which as you should know is one of Canada’s largest banks. What they’re offering is an interest rate bonus for all new clients that open up one of their “Guaranteed Investment Accounts” Contrary to the name, it is not a GIC but a mere high interest savings account. I’m a little bit late in reporting about this promotional offer, but not to worry as the offer will be valid until December 12, 2008. December is fast approaching so if this savings account interests you then you may wish to open up an account right away.

Here are the details of this offer (courtesy of the TD Canada Trust website):

Open a TD Canada Trust Guaranteed Investment Account between October 14, 2008 and December 12, 2008 and earn an interest rate bonus on every dollar you deposit until March 31, 2009. Deposit as much as you want, as often as you want, and get the bonus rate until March 31, 2009. The sooner you act, the more interest you’ll earn.

Account Balance Premium Interest Rate (as of
October 1, 2008)
Guaranteed Bonus Rate (October 14, 2008 to
March 31, 2009)
Total Interest on Deposits (up to
March 31, 2009)
$5,000 or more 2.25% 1.25% 3.50%
Less than $5,000 0.00% 2.25% 2.25%

 Interest rates may change at any time without prior notice.

Access your money when you want it

There’s no need to “lock in” your money. You can access your savings any time, 24 hours a day, seven days a week through TD Canada Trust’s Green Machine ABMs, EasyWeb Internet banking or EasyLine telephone banking. You can also visit any TD Canada Trust branch or you can speak with a TD Canada Trust or TD Waterhouse representative about how this savings account offer.

Account Features:

  • Premium interest rate
  • Rate guarantee on balances of $5,000 or greater
  • Access to your money through EasyWeb, EasyLine, Green Machine and branches
  • Unlimited free deposits
  • Free paperless, monthly statement or passbook record keeping
  • One free debit transaction each month; additional debits are $5 each after the first free debit
  • No maturity date or minimum deposit, however, no interest is currently paid on balances below $5,000

Account Options:

  • EasyWeb Internet banking service
  • 24-hour EasyLine telephone service
  • Pre-authorized Transfer Service

Now for the fine print, except I’ll make it BIG print

Your Guaranteed Investment Account will earn, commencing on the second business day after account opening, a bonus interest rate of 1.25% per annum on balances of $5,000 or more and 2.25% per annum on balances of less than $5,000, above the regular posted rates for this type of account until March 31, 2009. Regular posted rates only shall apply thereafter. Interest is paid monthly on the total daily closing balance of each tier of the account. Bonus interest will be calculated separately from the regular interest and will be credited to the account at the end of the month. For accounts opened online, account opening documentation, if applicable, must be signed and returned to TD Canada Trust by January 16, 2009. Interest rates are subject to change without notice.

So, was the print big enough for you folks? It was? I thought so too. The 3.50% (assuming you’ll deposit $5000+) is really good – it’s one of the highest you can get here in Canada. The limited time nature of the interest rate bonus sucks though, but if you’ve got a lot of cash you want to keep in a safe savings account for a little while it makes sense. Obviously if you’ve got less than $5000 to save then this account is not for you as you will not earn any interest except the bonus interest rate which will expire anyways.

For more info I suggest you jump on over to the TD Canada Trust website at:

http://www.tdcanadatrust.com/accounts/gia.jsp

*note: I am in no way affiliated or associated with TD Canada Trust*

Cheers,

Alan
http://alansmoneyblog.com

Get 1 Month of Free Web Hosting

Globat has offered an exclusive coupon code for me and my associates and I thought I’d share it with you. This code is not available anywhere else! It is a a secret or exclusive code that I am willing to share with you if you use my referral link to open up a Globat web hosting account.

Code: Send an e-mail to alan@alansmoneyblog.com to get the code
Value: 1 month of FREE Web hosting!


This code will add an extra month of hosting to your web hosting plan for free. However what is even better is that if you use my link you will have access to the special $4.44/month pricing plan that’s not available to the general public. The general public has to pay $6.96, but since you’re lucky enough to have come across my blog you pay only $4.44/month. This plan gives you 1000 GB (1 Terabyte) disk space and 1000 GB (1 Terabyte) transfer capacity. It’s a pretty good deal if you ask me!

As for the free web hosting coupon code, it currently has no expiration date but I think it is a good idea to make use of it right away because to be honest I just don’t know how long Globat will keep it active.

10 Short Personal Finance and Money Tips

Here are 10 short personal finance and money tips. I hope you find them useful.

1) Try to save at least 10% of your income (if you can save more)
2) Do not make too risky investments. Such investments may spoil your sleep
3) Diversify your investments. Remember the old saying “never put all your eggs in one basket”
4) When you would like to invest in something, ensure that it is not a scam.
5) Whatever may be your income, prepare a budget and take control of your expenses
6) If you have any debt, get rid of it as soon as possible
7) Plan your expenses based on your needs rather than wants
8) Only invest when you have no debt!
9) Always maintain an emergency fund.
10) Rather than leaving large amounts of money in low interest bank accounts or savings account, invest them where you can get more interest or returns.