Latest Bank CD Rates

If you are one of the holdouts still not earning cash back on your credit card purchases, you make want to take a look at the HSBC Platinum Cash Back Card.

In my opinion this is the best cash back card and here is why….

• This card does not have a pre-spending limit before you can reach earn the 2%. For example like the American Express Blue Cash Card, you first need to spend 6500 on the card before you even qualify for the 5% everyday purchases. In the case of most people, in the long run, they will earn more cash back using the HSBC card from day one. Plus Amex is not accepted everywhere, so you have a better chance of acceptance with this card.
• This card pays 2% cash back on everything! N

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JD Powers and Associates, a highly respected global marketing information services with a solid reputation for over 40 years of business, released results of its 2011 US Credit Card Satisfaction Study? showing that American Express® ranks highest of the top 10 US credit cards when it comes to customer satisfaction. American Express has taken top honors all five years the survey has been conducted.

Conducted in May and June 2011, and with over 8,700 responses from credit card customers, the survey ranks the top 10 US credit cards in six key areas.

• Interaction
• Credit Card Terms
• Billing and Payment Process
• Rewards
• Benefits and Services
• Problem Resolution

Results are tabulated on a 1,000 point scale and indicate that overall customer satisfaction with credit card companies is up 17 points from 2010 to 731.

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View Point Bank provides attractive interest rates for their reward checking account called Absolute Checking. This best checking account has the following current interest rate:

• earn an interest rate of 4.00% APY for deposits of up to $25,000
• earn an interest rate of 0.40% APY for the portion of the balance above $25,000 to $100,000
• earn an interest rate of 0.04% APY for the portion of the balance more than $100,000

In order for you to earn the best checking account rates, you must meet the bank’s monthly requirements. You also need to deposit a minimum of $100 to open an account. T

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Both buying and renting a home have advantages and disadvantages. To begin the home buying process, you first need to decide whether the benefits of buying a home outweigh the advantages of renting, given your present circumstances. Buying a home is a major decision that requires a lot of commitment. Before you buy a home you need to understand what is involved and how to navigate through the process from beginning to end.

Should You Buy or Rent?

How much space is needed for your family members and their activities? Where do you want to live with respect to your family’s work, school, and recreational activities? How much money do you have for housing? R Read more…

I keep on hearing we have a spending problem, but no revenue problem, from you know whom. I decided to appeal to actual data. Below is a time series plot of Federal current expenditures and tax receipts plus contributions to Federal social programs, as a share of GDP, over the 1967Q1-2011Q1 period. The data are based upon the data definitions in the BEA’s national income and product accounts (NIPA), as of June 2011. Outlays are declining, and as of 2011Q1 are at 0.25, which exceeds the previous peak, during the Reagan era, at 0.241 (1982Q4). Federal tax receipts plus social program contributions are at 0.158.

Note the blue line does not equal total Federal receipts (income receipts on assets, transfer receipts, enterprise surpluses are not included), but it is only a small bit off. I

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