Get $100 free for opening a checking account with Huntington

huntington

This deal only lasts a couple of more days and I’m in no way being compensated for telling you about this. Here’s the deal from what I can tell on their splash offer page.

Choose a checking account that fits you best and apply online today!

  • Open a personal checking account.
  • Set yourself up with the convenience of an automatic direct deposit into your checking account OR simply make 5 Check Card purchases within 60 days.

That’s it. Because in today’s “Do more with less” economy, we’re here to help.

Here are the stipulations (I don’t qualify because I live in Missouri or I would jump on this).

Make 5 or more Check Card purchases within the first 60 (sixty) days of account opening. Applications started online during the bonus period must be completed within 30 calendar days to qualify for the $100 cash bonus. All new accounts subject to account opening approval. For this offer, there is no specific dollar amount needed for the initial minimum opening deposit, however, the $100.00 bonus money will not be considered as part of the initial deposit. Bonus will be deposited to the new checking account within 90 (ninety) days of account opening (if “i” or “ii” condition is also met). Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer not available on account conversions or in combination with any other offer. An Early Account Closing Fee will apply to accounts closed within 180 days of opening. Bank reserves the right to limit one gift incentive per household. Offer is available only in Ohio, Michigan, Indiana, Pennsylvania, Kentucky, West Virginia, and Florida.

Found this killer deal over at Reddit!

Be the first to comment - What do you think?  Posted by FinanceDad - February 25, 2010 at 3:11 pm

Categories: Saving Money   Tags:

Need to get major medical or dental work done? Consider this to save tons of money.

cancun-mexico-dentistWhen you get older, many people end up having problems with their teeth, and I am no exception. The problem is, it’s nearly cost prohibitive here in the United States. Continue on with getting bye, or force yourself into massive debt. There are alternatives though, especially if you’re facing a mountain of dental bills. It’s no secret, people do it all the time for other medical operations. They simply take a trip, and save over half of what they would have paid while they get a vacation out of the deal. Below, I’ll take a quick peek at what you should consider when it comes to getting work done on your teeth and other types of surgery.

I couldn’t write it better than medicalnomad.com on how to decide if this is right for you, so I’m going to quote their advice:

Step by Step Guide

You’ve already taken a good first step, which is consulting with the MedicalNomad team and our growing community of contributors! Use this website as a tool to help you make a smart, safe, and financially sound decision about how best to pursue the health care services you require and desire.

* Step 1: Educate yourself and learn from others
* Step 2: Determine whether medical tourism is right for you
* Step 3: Consider your health care options
* Step 4: Decide what kind of trip you want to take
* Step 5: Choose a Provider or Broker
* Step 6: Research Your Destination
* Step 7: Calculate your finances
* Step 8: Determine dates of travel
* Step 9: Secure passports and visas
* Step 10: Prepare records and paperwork
* Step 11: Plan for post-procedure recovery and assistance
* Step 12: Take your trip!

Step 1: Educate yourself and learn from others

Explore the ins-and-outs of the emerging medical tourism industry. Visit our Medical Tourism links to learn more about medical tourism and how it works, as well as read about accreditation, financial, tax, and travel health considerations. Visit our Procedures and Providers links to locate providers abroad that offer the procedure you are seeking and compare provider credentials, costs, and services. Visit our Destinations link to research the countries you might travel to, plan the logistics of your trip, and consider travel options beyond your medical procedure. Consult our Blog, News, and Forum pages to access a broad spectrum of information about medical tourism, and learn from and dialogue with other medical tourists who have been or are going through a process like your own.
Step 2: Determine whether medical tourism is right for you

Are you a good candidate for medical tourism? Is the specific procedure you want or need available abroad with reputable providers? After adding in travel and accommodation costs, is it still more affordable to have the procedure done abroad? Does your calendar allow for both the associated travel time, and, if necessary, recovery time abroad before returning home? Does the procedure in question often involve complications, and, if so, what kinds of precautionary and logistical arrangements will you want to make? Do you want or need to arrange for a traveling companion? These are all questions for you to consider as you decide whether and how to pursue high quality and affordable health care abroad. Consult our Providers, Procedures, and Destinations listings to access information about your medical options, and use our Blog and Forum link to communicate with others who can help you in your planning. If you still have questions, ask our expert for advice as to the suitability of medical travel for your particular condition and circumstances.
Step 3: Consider your health care options

There are a range of possible models for how to go about seeking affordable and high quality health care abroad. Many providers, in Thailand, India, Costa Rica, Singapore, South Africa, Malaysia, and elsewhere, provide direct links to their services via the Internet (see our Provider Directory ). Many will help facilitate your travel and accommodation logistics, alongside arranging medical services. Take note of the different kinds of providers that are out there — ranging from major hospitals to smaller clinics and private practices — as you decide what is the best fit for your medical needs. An alternative to working directly with a provider is to consider going through a company that operate as a full-service broker or concierge service. These companies typically arrange the full spectrum of a medical trip abroad, connecting you to health providers, making logistical arrangements for your medical care and travel, and often providing a single, lump-sum total for the entire package. Such brokers, whether based in the U.S. or Europe, or in another country or region, often have established working relationships with a set number of providers covering a range of medical procedures. Early on it is important to consider both the potential advantages (convenience, expertise) and disadvantages (limited choice, possible brokerage fees) of working with a broker as you decide what course of action to take in satisfying your health care needs.
Step 4: Decide what kind of trip you want to take

Is this going to be a strictly practical trip for medical, dental, or cosmetic purposes, or do you want to add a vacation alongside your health services? If it’s the former, then you can move ahead with your plan of action for getting the best possible services at the best price. If you want to add a further vacation element to your trip, then you need to make additional plans, keeping in mind the following factors: timing (before or after your procedure), seasonal factors (high or low tourist season and weather variables), visas (if beyond a standard tourist visa), additional costs and logistics of travel and accommodation. In particular, consider whether you are going to arrange a package tour ahead of time through a travel agency, or whether you are going to “wing it” as an independent traveler. Check our Tax Considerations link to see how a vacation element may affect your ability to deduct expenses. Again, be realistic in assessing your own levels of experience in international travel. Furthermore, if you are planning further travel after your treatment, be sure to anticipate how vigorous and adventurous you will be feeling post-treatment.
Step 5: Choose a Provider or Broker

If time allows don’t rush your decision. Shop around. See what’s out there. Read news stories about medical tourism in different countries, and, when possible, about specific providers and procedures. Compare stories. Consult with former medical tourists. Track down testimonials, on our Forum and elsewhere, to read stories by previous medical nomads as they describe their experiences and evaluate their medical providers and/or brokers. In the process, keep a few key factors in mind. Many of the medical services available abroad are of the highest international standards, often times of equal quality to the level of care available in the U.S. or Europe. That said, qualities of care do vary, and it is wise to read up on the experiences others have had with specific providers. Likewise, it is prudent to determine a prospective provider’s levels of national or international accreditation or certification. Is a provider that you are considering accredited by a country-level association or government body? Even more notably, is it accredited by an international association like the Joint Commission International (JCI) or the International Organization for Standardization (ISO). (See our Provider Directory for information on each provider’s JCI and ISO status and read our discussion of Accreditation.) Also note that some international providers have direct institutional links to U.S. or European-based medical associations. Harvard University, for example, has affiliate medical providers in Turkey, Greece, India, China, and Thailand, while John Hopkins University has providers in Lebanon, Panama, Singapore, Turkey, and elsewhere. Consult our Providers links and visit individual provider’s websites to evaluate levels of national and international accreditation and affiliation.

Some providers have more experience with medical tourists than others, and may be able to better manage the logistics of your medical visit, including, if necessary, language translation. If the health care you are seeking involves multiple visits and a lengthy recovery time, you may want to go with a provider who has experience dealing with foreign patients. On the other hand, if you are confident in your own ability to negotiate the logistics of your own travel and accommodation, you might consider a broader range of potential providers. Be realistic on this front, regarding your own experience as an international traveler, and regarding the condition you will be in post-procedure. If the treatment you are seeking involves substantial surgery and post-op recovery time, you may want to go with a more full-service provider or broker. If you have the time, it makes good sense to make contact with more than one potential provider, and to let each of them know that you are shopping around. This will allow you to get a feel for different providers, in terms of their professionalism, responsiveness, and service orientation, as well as to compare costs and potentially negotiate a better deal for yourself.

Once you have decided on a provider or a broker, be sure to get all arrangements and agreements affirmed via a written/digital contract, which clearly spells out the specific services guaranteed to you at the agreed-upon price. Read over this contract carefully to be sure that the cost and scope of those services are clearly delineated. Take note whether taxes and/or gratuities are included in the cost totals. Remember that commercial interests are driving many of those working in the medical tourism industry, so beware of efforts to inflate or hide costs, or worse, cut corners on treatment. Get the scope of your treatment outlined in as full detail as possible.

Step 6: Research Your Destination (top)

Whether you are going for a quick, in-and-out, medical, dental, or cosmetic procedure, or are going to complement it with a vacation on the side, it is worth your time to learn beforehand about the country you are visiting! Spend some time to consider all of the following:

* Climate and terrain (Is it rainy or dry season? What elevation will you be at?)
* Language competencies (Can you rely on encountering English-speakers regularly? If not, how will you manage your communication?)
* Cost of living. (What is the range of prices for local accommodation? What does a meal, beer, or a cup of coffee cost?)
* Cost and means of travel. (Are taxis, buses, trolleys, or other forms of public transport available? How expensive are they? How costly is it to rent a car? )
* Public health considerations (Is the tap water drinkable? Is it recommendable to eat food from street kiosks? Is malaria a concern?)
* Public safety (Will you be in a large city? If so, what precautions should you take?)
* Local custom and etiquette (Are there specific standards of dress that are appropriate? What are expectations for tipping and other gratuities?)
* Local sites of interest. (What is there to see in the area? What do the travel guides recommend seeing and doing? What will you kick yourself for not having done once you get home again?)

Once you’ve settled on a destination, use our MedicalNomad Travel Info and CDC Tips links to begin planning and making the most of your trip.

Step 7: Calculate your finances (top)

If you are planning to cover the costs of your own medical trip abroad, you need to carefully consider, compare, and calculate the various costs that will arise in your medical travel. In addition to the cost of your health care procedures, these costs may include:

* Cost of passport and/or travel visas
* Travel: Flights, airport pick-up, travel to-and-from medical provider
* Accommodations
* Food and drink
* Tips and gratuities
* Visa costs
* Calls and other correspondence with family at home
* Medications or medical supplies (crutches, etc.) for use during post-procedure recovery time.

If you are going with a broker, they will handle many if not all of the above logistics and costs as a part of their service fee. Be clear about what services are provided in their fees and get their commitments to you in writing before your trip.

Even while you should anticipate having to cover most or all of these costs on your own, you should nevertheless contact your medical insurer to see whether a necessary medical procedure can be fully or partially covered, in particular if your only other option is to have a more expensive procedure done in the U.S. or Europe. Be sure to determine ahead of time whether or not the condition being treated can be considered a “pre-existing condition” by your insurer, as they will not cover it if defined as such.

During your negotiations with your provider or broker, be sure to establish the means of payment ahead of time, whether by credit card, checking account, or cash. Also, be sure to establish the timing of payment in advance and explore a range of possible payment plans, including payments by installment. Some providers require a minimum down payment or deposit before your procedure, sometimes as high as 50% of the total cost. Be sure you are dealing with a reputable provider or broker and have received a valid contract before making any down-payment.

You should also explore whether or not the medical costs you incur on your trip might be tax deductible. Towards that end, consult with your national tax bureau or agency to determine policies and regulations. For more information, see:

* Tax Considerations

Step 8: Determine dates of travel (top)

With as much advance notice as possible, present one or more possible dates for travel to the health care provider or broker you have decided to work with. Keep several factors in mind as you plan and arrange your travel and health care services:

* Peak travel dates to-and-from the country you will be visiting. The price for airline tickets and accommodations can vary dramatically.
* Weather conditions in your destination and how they might play into your post-op recovery and comfort.
* Treatment and recovery-time requirements.

Be sure to check prices and availability on travel dates before confirming treatment dates with a provider. If you are arranging your own travel to your destination country, you may want to consult some of the following websites to compare prices and dates:

* Expedia Travel
* Hotwire
* Cheap Seats
* Travelocity
* Airline Consolidator
* Discountfares.com
* Courier
* Air Treks
* Sky Auction

Step 9: Secure passports and visas (top)

If you do not already have a passport, begin the process of getting one well in advance of your planned trip. Routine processing for a new passport typically takes about six weeks, though expedited services can cut the processing time to two weeks or less if you are willing to pay. If you already have a passport, check to see that it is still valid and will remain so through the course of your travel.

Consult the following websites to learn how to acquire a passport and to determine visa policies for your destination country:

* Passports – U. S. State Department
* Consulate Info – U. S. State Department
* American Passport Express
* It’s Easy Passport

Depending on your destination country, you may or may not be able to secure a Tourist Visa upon arrival at the airport. Be sure to determine ahead of time whether that is the case, or whether you need to arrange for a visa ahead of time with a representative Embassy or Consular Office. Also, be sure to note the duration of visas to be sure they are sufficient for your travel plans, and, if applicable, to take note of visa policies for visa extensions and multiple entries/exits from a country. Consider registering with your nation’s embassy or consular office upon arrival in your destination country. Be sure to take note of the costs of securing a passport and/or a visa so you can figure them into your travel costs.

Step 10: Prepare records and paperwork (top)

Plan for how you are going to transfer or carry your medical records to you overseas medical provider, as well as for bringing records of your procedure home with you. In particular, you will need to decide whether to carry paper versions of your records with you or have them digitized and transferred electronically.

For further information on keeping personal medical records, and on ways to go about digitizing them, consult the following websites:

* Medical Privacy – U. S. Health And Human Services
* Personal Medical Records – Medline Plus
* Med Imaging
* Records For Living
* Follow Me
* Capmed
* Mymedicalrecords.com

Step 11: Plan for post-procedure recovery and assistance (top)

As with any medical, dental, or cosmetic procedure, the hope is that all will go according to plan and schedule. Yet, even while anticipating a smooth procedure, one must still be diligent about planning for the recovery period. Likewise, for the sake of prudence and caution, one should anticipate possible complications and make arrangements ahead-of-time. Some things to consider: How much recovery time will your procedure entail? If you will be hospitalized, for how long? In terms of your post-op recovery and taking medications, how soon afterwards will you be able to travel? to fly? Will you require special care or assistance after your procedure? What are your contingency plans in case of complications during the procedure or recovery times? Should you consider having a close friend or family member travel with you to provide support? Who is your emergency contact? Do they have information about your location and procedure schedule, as well as detailed information for how to contact your provider? Whether you are working directly with a provider or through a broker, be sure to address all of these questions and concerns beforehand, and to get a firm estimate/assessment of costs and scheduling. You do not want to have to deal with these factors for the first time after your procedure, so don’t get caught off guard!

Standards of legal protection for patients vary dramatically from country to country. Once you have chosen a provider, do your best to educate yourself about what legal protections, if any, are guaranteed to you as a visiting patient. Consult with a country embassy or consular office before leaving, and use the web to research patient protection laws.

Step 12: Take your trip! (top)

Enjoy your well-planned trip, get healthy, save money, and come back ready to tell others about it!

Be the first to comment - What do you think?  Posted by FinanceDad - February 24, 2010 at 6:58 am

Categories: Saving Money   Tags:

Petroleum Jelly; 31 tips to save you time and money

petroleumThis is a gem of an article I found over at Reddit via Readers Digest,
had to share it, hope you enjoy..

Petroleum Jelly*

If you have petroleum jelly in the house, one of these 31 tips could save you money — and time.

For Personal Grooming

Moisturize your lips and more

If you don’t want to pay a lot for expensive lip balm, makeup remover, or even facial moisturizer, then your answer is a tube of petroleum jelly. It can soothe lips, take off foundation, eye shadow, mascara, and more. It will even act as a moisturizer on your face.

Make emergency makeup

Oh no! You’ve run out of your favorite shade of eye shadow. What do you do now? It’s easy — make your own. Add a bit of food coloring to petroleum jelly and apply as usual. This is a quick way to make stopgap blush, lipstick, or eye shadow.

Lengthen the life of perfume

You’ve picked out a great scent to wear on your night out, but it’s got to last. Worry not. Dab a bit of petroleum jelly on your pulse points. Then spray on the perfume. Now you can dance the night away and not worry about your perfume turning in early.

Remove a stuck ring

Is your wedding ring stuck? Trying to get it off can take a lot of tug and pull. Apply some petroleum jelly and it will glide right off.

Soften chapped hands

If you’re constantly applying hand lotion to your tired, chapped hands, but then taking it off again so you can get more work done, try this tip. Apply a liberal amount of petroleum jelly to your hands just before you go to bed. By morning, they’ll be soft and smooth.

No more messy manicures

During home manicures, it’s hard to keep the nail polish from running over on your cuticles. Petroleum jelly can help your manicures look more professional. Dab some along the base of your nails and the sides. If polish seeps off the nail during the manicure, all you do is wipe off the petroleum jelly and the sloppy nail polish is gone.

Smooth wild eyebrow hairs

If you have runaway eyebrows — the ones where the hairs won’t lie flat but curl up instead, control the wildness with some petroleum jelly. Rub a dab into your brows. They’ll calm down and behave.

Stop hair dye runs

There’s nothing more embarrassing than a home hair color job gone awry. Imagine finishing applying that new auburn shade to your tresses when you notice that you’ve dyed your hairline and part of your forehead too. Next time, run a bit of petroleum jelly across your hairline. If dye seeps off your hair, the petroleum jelly will catch it.

Heal windburned skin

You’ve just had a glorious hike through the countryside in autumn. And as much as you enjoyed the changing colors of the season, the hike has left you with an unpleasant souvenir: windburn. Grab a jar of petroleum jelly and apply it liberally to your face or wherever you’ve been chapped. The jelly helps relieve the pain.

Help prevent diaper rash

It’s so heartbreaking to hear a baby experiencing the pain of diaper rash. Help is just a few moments away. Petroleum jelly sets up a protective coat on the skin so the rash can heal. No more pain.

No more shampoo tears

Thinking of buying special no-tears shampoo for your child? Forget about it. If you have some petroleum jelly, you have the solution. Rub a fair amount into your baby’s eyebrows. It acts as a protective shield against shampoo running down into his eyes.

Around the House

Smoother closing shower curtains

Stop the water from squirting out onto the bathroom floor. Get that shower curtain into place quickly. Lubricate the curtain rod with petroleum jelly and you’ll whip that curtain across the shower in no time.

Take out lipstick stains

You set the table at that lovely dinner party with your favorite cloth napkins, but your girlfriends left their mark all over them. Now dotted with lipstick stains, those napkins may be headed for the trash. But try this first. Before you wash them, blot petroleum jelly on the stain. Launder as usual and hopefully you will kiss the stains good-bye.

Eject wax from candlesticks

The long red tapers you used at last night’s candlelit dinner were a beautiful sight until you saw the candle wax drippings left in the candleholders. Next time apply petroleum jelly to the insides of the holders before you put the candles in. The wax will pop out for easy cleaning.

Remove chewing gum from wood

Did you discover bubble gum stuck under the dining room table or behind the headboard of Junior’s bed? Trouble yourself about it no further. Squeeze some petroleum jelly on the offending wad, rub it in until the gum starts to disintegrate, then remove.

Make vacuum parts fit together smoothly

It’s nice that your vacuum cleaner comes with so many accessories and extensions. But it’s frustrating when the parts get stuck together and you have to yank them apart. Apply a bit of petroleum jelly to the rims of the tubes and the parts will easily slide together and apart.

Shine patent-leather shoes

You’ve got a great pair of patent-leather shoes and a dynamite bag to match. The luster stays longer if you polish the items with petroleum jelly.

Restore leather jackets

You don’t need fancy leather moisturizer to take care of your favorite leather jacket. Petroleum jelly does the job just as well. Apply, rub it in, wipe off the excess, and you’re ready to go.

Keep ants away from pet food bowls

Poor Fido’s food bowl has been invaded by ants. Since she prefers her food without them, help her out with this idea. Ring her food bowl with petroleum jelly. The ants will no longer be tempted by the kibble if they have to cross that mountain of petroleum jelly.

Grease a baseball mitt

Got a new baseball mitt, but it’s as stiff as a dugout bench? Soften it up with petroleum jelly. Apply liberal amounts. Work it into the glove, then tie it up with a baseball inside. Do this in the winter, and by the spring you’ll be ready to take the field.

Keep a bottle lid from sticking

If you’re having a hard time unscrewing that bottle of glue or nail polish, remember this tip for when you finally do get it open. Rub a little petroleum jelly along the rim of the bottle. Next time, the top won’t stick.

Soothe sore pet paws

Sometimes your cat’s or dog’s paw pads can get cracked and dry. Give a little tender loving care to your best friend. Squirt a little petroleum jelly on the pads to stop pain. They’ll love you for it.

For the Do-It-Yourselfer

Mask doorknobs when painting

You’re about to undertake painting the family room. But do you really want to fiddle with removing all the metal fixtures, including doorknobs? Petroleum jelly rubbed on the metal will prevent paint from sticking. When you’re done painting, just wipe off the jelly and the unwanted paint is gone.

Stop battery terminal corrosion

It’s no coincidence that your car battery always dies on the coldest winter day. Low temperatures increase electrical resistance and thicken engine oil, making the battery work harder. Corrosion on the battery terminals also increases resistance and might just be the last straw that makes the battery give up. Before winter starts, disconnect the terminals and clean them with a wire brush. Reconnect, then smear with petroleum jelly. The jelly will prevent corrosion and help keep the battery cranking all winter long.

Protect stored chrome

If you’re getting ready to store the kids’ bikes for the winter, or stow that stroller until your next baby comes along, stop a moment before you stash. Take some petroleum jelly and apply it to the chrome parts of the equipment. When it’s time to take the items out of storage, they’ll be rust-free. The same method works for machinery stored in your garage

Keep an outdoor lightbulb from sticking

Have you ever unscrewed a lightbulb and found yourself holding the glass while the metal base remains in the socket? It won’t happen again if you remember to apply petroleum jelly to the base of the bulb before screwing it into the fixture. This is an especially good idea for lightbulbs used outdoors.

Seal a plumber’s plunger

Before you reach for that plunger to unclog the bathroom toilet, find some petroleum jelly. Apply it along the rim of the plunger and it will help create a tighter seal. Whoosh, clog’s gone.

Lubricate cabinets and windows

Can’t stand to hear your medicine cabinet door creak along its runners? Or how about that window that you have to force open every time you want a breeze in the house? With a small paintbrush, apply petroleum jelly to the window sash channel and cabinet door runners. Let the sliding begin.

Stop squeaking door hinges

It’s so annoying when a squeaky door makes an ill-timed noise when you’re trying to keep quiet. Put petroleum jelly on the hinge pins of the door. No more squeaks.

Remove watermarks on wood

Your most recent party left lots of watermark rings on your wood furniture. To make them disappear, apply petroleum jelly and let it sit overnight. In the morning, wipe the watermark away with the jelly.

Keep squirrels away from bird feeder

Feed the birds, not the squirrels. Keep the varmints off the pole of your bird feeder by greasing it with petroleum jelly. Squirrels slide right off, leaving the birds to eat in peace.

Be the first to comment - What do you think?  Posted by FinanceDad - February 23, 2010 at 2:53 pm

Categories: Saving Money   Tags:

ChoiceTrade Broker Review and promotions

choicetrade(Check out all of my broker reviews here.)

ChoiceTrade is a long established (2001) but somewhat less well-known securities trading platform based in New Jersey. ChoiceTrade gives you a choice of trading technology and a choice performance that is the equal of better-known discount broker platforms such as TradeKing or Zecco. When you choose to trade with ChoiceTrade you are also choosing the best prices in the online discount brokerage markets.

ChoiceTrade is an award-winning online broker offering deeply discounted pricing, top-notch customer service, and optional data streaming services, all aimed at the higher volume, experienced trader in stocks and options.

At first sight, the ChoiceTrade platform looks nothing special, but when you delve deeper into the functionality you will find an excellent service with everything for the seasoned trader. This broker does not go in for expensive flashy brand marketing and maybe that is why they can keep their prices so low.

ChoiceTrade.com charges it’s customers a simple $5 commission on all stock trades booked online, regardless of order size. Yes, it is true that there is no order surcharge. Typically, other discount brokers will charge 1 or 2 percent on a per share basis over a threshold number of shares. ChoiceTrade.com does not constrain its customers with account requirements or minimum trading quotas. Customers can do their own thing, or broker assistance is an extra $25 fee. Options are very cheap at $.99 cents and a minimum purchase order price of $8.95. There is a $30 annual IRA maintenance fee, and wire transfers are an additional $20.

ChoiceTrade has a good reputation in the industry, established over its nine-year track record of brokerage service. The company has received four stars in each of the last four years from Barrons’ rating service. Largely, this is because of their excellent customer service. Phone and live chat communication is available for all customers during normal trading hours and all emails are answered within a day. You would expect this type of service from a premium broker platform, it’s all the more impressive from a discount broker.


Where ChoiceTrade offers the biggest choice is in the technology arena. For a monthly subscription fee beginning at $14.95 (it is free for the first four months when new customers hold an account balance of $2000 plus) customers get a range of four alternate trading data stream ‘plans’.

You have the option of no data feed at all. If a customer doesn’t want to have a data feed plan and not pay the subscription then they can have a basic service but quotes can be delayed and there may be very limited account features.

Alternate two is the basic plan, free to new account holders but $14.95 per month thereafter. The data with this plan is in real time gives access to other news streams and information services that can be had as needed at ChoiceTrades’ discounts.

Alternate three is the advanced plan and the subscription fee goes up to $23.95 a month. It has three important additions to the basic plan which give traders a head start in making good trading decisions.

The fourth and top of the range data feed plan is called ‘Select with eSignal’ and costs $126 per month. It provides an Aladdin’s cave of trading information and resources. Check this out with a month free before committing to buying it on an ongoing basis. The application is a simple online form.

Experienced traders may not want to buy into all of the data available through ChoiceTrade, but they will certainly want to take advantage of the $5 flat trading fee that applies to any number of shares in a single transaction. Also, there are no extra charges for penny stock deals or cancelled orders as there are with many other brokers. The cost savings from this alone, when compared to other broker platforms makes TradeChoice a very competitive choice.

TradeChoice also lives up to the name in offering three different types of trading platforms. All of the platforms are the latest in information and trading technology. They are called ‘ChoiceTrader’, ‘ChoiceTrader Direct Pro’ and ‘ChoiceTrader Select’. Each type of platform is primarily about trading in stocks and options and provides immediate quotes, background company data. The regular trader who makes multiple deals on any given day will want to take advantage of personal ‘watch lists’.

Customer who do higher volumes of trades and certainly day traders will find the Direct Pro platform more suited to their needs with its sophisticated order entry function and trading algorithms. Choose this platform and you get the Rolls Royce of trading. It does cost an extra $60 per month but delivers more advanced charting, and open position management plus a choice of all of the analytical tools that are available in the market today. It is a clear step up from the ‘ChoiceTrader Select’.

A further excellent benefit of TradeChoice is entry to the wide community of traders through CTIC the ChoiceTrade Investing Community. Here customers communicate amongst their peer group sharing portfolios, information and ideas with ‘StockTwits’ and blogs. There are also regular ChoiceTrade sponsored events.

In summary, the $5 flat trading fee is an eye-catching reason for the serious trader to consider looking into what ChoiceTrade is offering.

$5 Trades at ChoiceTrade.com

Be the first to comment - What do you think?  Posted by FinanceDad - at 8:49 am

Categories: Broker Review   Tags:

Frugal foods are good for your health and wallet

processed foods

As I’ve gotten older (and have had several kids), I’ve been forced into caring more and more about what my family is consuming and how much money I spend doing so. When I had a busier lifestyle (or so I thought), I would buy boxed frozen pizza, canned veggies and fruits, frozen lunches, cold cereal, frozen lasagna, and the list of processed foods could go on and on. The fact is, processed foods are void of many essential nutrients and vitamins our body needs, and they are packed with harmful additives and preservatives. Sometimes, what you don’t know will kill you.

What I didn’t realize all that time while I was stuffing my face with those crappy processed foods, was that I could be eating much healthier and better tasting food and I could be saving a ton of money in doing so if I took the few minutes to learn how and what to cook. Not to mention, it’s a fun activity for the whole family. Below, I’m going to define processed foods for you and show you several reasons you should consider eliminating processed foods in favor of healthier, tastier, and less costly alternatives. In future lessons, I plan on providing simple meal plans for you and or your family that will help make you healthier and save you money .

First, what are processed foods?

Foods that undergo slicing, dicing, cutting, chopping, cooking, mixing, grinding, smoking, drying, packaging, canning or other procedures that alter the food from its original state. Mixed greens, honey, and salsa are examples of processed foods. Agricultural product sold in its raw harvested state is not considered processed.

The key here is, food manufacturers take normally decent food and add salts and other preservatives or additives to make the product last longer and or taste better. In doing this, manufacturers reduce and or eliminate the natural vitamins and introduce harmful ones:

Unfortunately, most processed foods are laden with sweeteners, salts, artificial flavors, factory-created fats, colorings, chemicals that alter texture, and preservatives. But the trouble is not just what’s been added, but what’s been taken away. Processed foods are often stripped of nutrients designed by nature to protect your heart, such as soluble fiber, antioxidants, and “good” fats. Combine that with additives, and you have a recipe for disaster.

Here are some staggering facts about processed foods:

  • Processed, packaged foods have almost completely taken over the diet of Americans. In fact, nearly 90 percent of our household food budget is spent on processed foods, according to industry estimates.
  • Irradiation is the use of x-rays or gamma radiation on food to kill bacteria mold, viruses, and parasites. Unfortunately, its effects are also harmful to test animals. Those fed a diet of irradiated wheat developed increased numbers of cells with chromosome abnormalities. As well, there were unexplained stillbirths in the offspring of test rats.
  • There are also concerns regarding the materials used to coat and package foods.3 The protective wax on produce such as cucumbers, peppers, and apples may trigger allergies, and can contain pesticides, fungicide sprays, or animal byproducts. Further, the plastic (vinyl chloride) some food is wrapped in is considered carcinogenic, and has been linked to immune reactions and lung shock.
  • A by-product of whitening, especially of food containers, Dioxin has become a health concern. It has been reported, for example, that certain ice creams contain high levels of dioxins, reportedly leaked into the product through the whitening used in its containers.
  • A known carcinogen, dioxin is associated with genetic and reproductive defects as well as learning disabilities.4
  • Dioxin exposure is a possible cause of endometriosis – a painful condition that can result in fertility problems and/or hysterectomy, as well as chronic pelvic pain and other conditions.
  • It makes good sense to always pay attention to the food you are buying, especially if it has been processed. One thing is for certain – most of these added ingredients have nothing to do with nutrition and everything to do with increasing food sales by keeping addicted, depleted consumers coming back for more.

The bottom line is, when you put your trust into manufacturers, you never know what you’re getting in your foods. You can see that manufacturers are interested in keeping you hooked on processed foods by packing them full of salts and other artificial flavorings to keep you coming back for more and more. Some processed foods like Milk are unavoidable and are not necessarily “bad”  as processed. More often than not though, you want to avoid processed foods of any kind. You must make the switch now, here’s a great list to get you started:

What can you do to reduce your reliance on processed foods?

  • Replace lunch meats with home-roasted meats. Roast a local, organic chicken once a week and have chicken salad, roasted chicken sandwiches, chicken soup for lunch instead of processed lunch meats.
  • Eat more salads, whole grains and fresh fruit. Americans consistently underperform in the “getting your veggies” department (and fruit, and grains).
  • Bake bread once a week. Two loaves of bread lasts an entire week, and made with high protein grains (such as quinoa), can be a healthy cornerstone of a diet.
  • Cut out the chips and crackers. Your body doesn’t really need them, anyway.
  • Bake and freeze cookies once a month. If you (or your kid, in my case) has a sweet tooth – make a cookie day once a month and freeze enough not to have to buy bags and boxes at the grocery store.
  • Invest some time in the “make-a-bunch-and-freeze-it” strategy. Soups, stews, and pasta sauces make lunch (and quick dinner) for months if cooked and frozen properly. Think about what your family will eat and plan two big cooking days every month to make and freeze those items. Popular in our house are beef or venison stew, chicken-pear stew, wedding soup, pesto and red pasta sauces, and curry sauce. Heat or quick-prepare and they’re as easy as anything in a can or box and so much better for you and the environment.
  • Think before you eat (which means, think before you leave your house). Convenience foods are just that – convenience foods. If you plan appropriately, there’s very little need for them.

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Categories: Frugal Meals, Saving Money   Tags:

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