TD Cash Credit Card $150 Cash Back Bonus

TD Cash Credit Card $200 Bonus Cash

Start earning cash back on your everyday purchases like dining and groceries with the TD Cash Credit Card. Not only is this card easy to set up and use, it’s straightforward with a rewards program! You have the opportunity to earn a $150 cash back bonus after making at least $500 in purchases in the first 90 days of your account opening.

You could also earn up to 3% cash back on dining, groceries, and all purchases with no limits and your points won’t expire! This card has a $0 annual fee and no foreign transaction fee. It is a good, simple everyday card that is definitely worth considering. Start getting rewarded for on those everyday purchases with the TD Cash Credit Card!

Editor’s Note: Available for residents in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT.

* TD Cash Credit Card is issued by TD Bank. They also offer great sign-up bonuses. You can also compare this card with other credit card bonuses!

Bank Offers You May Like
See our best bank bonuses updated daily to earn up to $1,000 in free money. Find popular checking offers such as Chase Bank, HSBC Bank, Discover Bank, Huntington Bank, and TD Bank. See our best rates for Savings and CD too.
FEATURED BANK PROMOTIONS
PROMOTIONAL LINK OFFER REVIEW
Chase SapphireSM Checking $1,000 Cash Review
Chase Private Client $2,000 Cash Review
Chase Total Business Checking® $200 Cash Review
Chase Total Checking® + Chase SavingsSM $350 Cash Review
Chase Premier Plus CheckingSM $300 Cash Review
HSBC Advance Checking Member FDIC $350 Cash Review
HSBC Premier Checking Member FDIC $700 Cash Review
Huntington 5 Checking $200 Cash Review
Discover Bank Online Savings $200 Cash Review
Chase College CheckingSM $100 Cash Review
TD Bank Checking $300 Cash Review
Discover Cashback Debit Account $360 Cash Review
Huntington Bank Business Checking 100 $200 Cash Review
Huntington Bank Unlimited Business Checking $400 Cash Review
Huntington Bank Unlimited Plus Business Checking $750 Cash Review


TD Cash Credit Card Summary

TD Cash Credit Card
TD Cash Credit Card Bonus

Bonus Available Get $150 cash back when you spend $500 within 90 days after account opening.
*Bonus Value $150
Ongoing Rewards/Benefits Earn 3% cash back on dining, 2% back at grocery stores and 1% back on all other eligible purchases.
Foreign Transaction Fees None
Annual  Fee $0

* Bonus value is an estimated value calculated by HustlerMoneyBlog and not the card issuer.
View the latest valuations here.

Recommended Free Credit Score (Get Free Score)

690 – 850 (Good – Excellent)

PROS

  • No annual fee
  • Welcome bonus
  • Simple rewards
  • No foreign transaction fees

CONS

  • Good-Excellent credit needed to qualify
  • Minimum redemption requirement
  • Limited availability

Editor’s Alternate Pick

Chase Freedom card
The Chase Freedom® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

You’ll earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and an unlimited 1% cash back on all other purchases. You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.

This card has no annual fee and you’ll get a free credit score that’s updated weekly with Credit JourneySM.

Learn More About This Card Here


TD Cash Card $150 Bonus Cash Offer

Make use of the TD Cash card’s $150 bonus cash offer. In order to qualify, you’ll need to charge at least $500 to your card within 90  days of  opening your account, a 40% return for your spending!

Here are some ideas on meeting the spending requirements:

Meeting Credit Card Bonus Spending Requirements
Plastiq – Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn “Free-Free Dollars” that goes towards processing fees as well.
Funding Checking Accounts – When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank.
Gift Card Purchases With Using a Credit Card – Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don’t.
As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance.

Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes.

Alternative Ways to Meet Spending Requirements


Earning TD Cash Rewards

With the TD Cash card, it offers friendly bonus categories like:

  • Unlimited 3% cash back on dining. Anything from casual to fine dining qualifies.
  • Unlimited 2% back on groceries. Unfortunately, superstore and warehouse club purchases do not apply.
  • Unlimited 1% back on all other purchases.

But how much cashback rewards can you earn? Check out an example below:

Category Annual Spend Cash Back Earned
Dining $5,000 $150
Groceries $4,000 $80
Everything else $6,000 $60
Welcome bonus $150
Total $15,000 $490

Redeeming TD Cash Rewards

Even though it’s a cashback card, TD Cash rewards is in the form of points and can be used in different ways like:

  • Direct deposits ($0.01 per point)
  • Statement credits ($0.01 per point)
  • Travel (at least $0.01 per point)
  • Gift cards (at least $0.01 per point)
  • Merchandise (varies)

But if you choose to get cashback, you must redeem a minimum of 2,50o points or $25.


TD Cash Card Availability

The only drawback this card has is hat it is limited to within the issuer’s network. States include:

  • Connecticut
  • Delaware
  • Florida
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Virginia
  • Vermont
  • Washington, D.C.

Why You Should Apply For This Card

  • Digital Wallet – Add your TD cards to your mobile device to simplify your online, in-store and in-app purchases.
  • Chip technology protection – Our built-in chip makes your card more secure and easier to use around the world.
  • Visa Zero Liability –  Enjoy Visa security on purchases, plus protection against unauthorized charges.
  • Instant credit card replacement – If your card is lost or stolen, get an immediate replacement at a TD

Pair With TD Checking Account

TD Beyond Checking AccountTD Convenience CheckingSM Account
TD Bank
• Open a TD Beyond Checking account online and earn $300 when you receive direct deposits of $2,500 or more within 60 days of opening your account.
• With the TD Beyond Checking with Payback Plus, you’ll earn interest and get reimbursed for fees like ATM transactions, overdrafts, Rush Bill Pay and outgoing wires – on top of all the perks you’d expect from everyday checking.
• Pay no monthly maintenance fee with monthly direct deposits of $5,000 or more, a minimum daily balance of $2,500, or a combined balance of $25,000 across your eligible TD accounts.
TD Beyond Checking Review

TD Bank Convenience Checking Bonus
With the TD Convenience CheckingSM Account:
• Earn $150 when you receive direct deposits totaling $500 or more within 60 days
• Low minimum daily balance of $100 waives the $15 monthly fee.
• Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee.
• Instantly replace a lost or worn debit card by visiting a TD Bank location near you
• Access accounts via Online Banking with Bill Pay, Online Statements and TD Bank Mobile Deposit, with 24/7 cash access at TD ATMs in the U.S. and Canada – plus 24/7 Live Customer Service
• Get a 0.25% discount on TD Bank Home Equity and Personal Loans


Bottom Line

The TD Cash Credit Card is the ideal cash back card for consumers who dine out and buy groceries frequently. It allows you to get up to 3% cash back on dining, groceries, and all purchases with no limits and no annual fee.

You will also receive a $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening. If you are interested in more deals that TD Bank has to offer, see our list of the Best TD Bank Promotions. For more credit cards, see our latest list of the best credit card bonuses.

TD Cash Credit Card
TD Cash Credit Card Bonus


Who’s the Competition?

* Below are some of the top competitors to the TD Cash Credit Card to consider.

Chase Freedom Unlimited card
The Chase Freedom Unlimited® Card offers a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases.

There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open.

This card comes with no annual fee and you’ll get a free credit score that is updated weekly with Credit JourneySM.

Learn More About This Card


The Capital One® SavorOneSM Cash Rewards Credit Card offers a one-time $150 cash bonus after spending $500 on purchases within the first 3 months from account opening.

You’ll earn an unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases with no rotating categories or sign-ups needed to earn cash rewards.

This card comes with no annual fee and no foreign transaction fees.

The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

More

The post TD Cash Credit Card $150 Cash Back Bonus appeared first on Hustler Money Blog.

Continue Reading →

Iran says unintentionally shot down Ukrainian airliner

Iran on Saturday said it unintentionally shot down the Ukrainian airliner that crashed this week killing 176 people, calling it an “unforgivable mistake”.

The Ukraine International Airlines plane came down on Wednesday shortly after Iran launched missiles at bases hosting American forces in Iraq in response to the killing of Qasem Soleimani, one of Iran’s top generals, in a US drone strike.

“The Islamic Republic of Iran deeply regrets this disastrous mistake,” Iranian President Hassan Rouhani tweeted.

“Armed Forces’ internal investigation has concluded that regrettably missiles fired due to human error caused the horrific crash of the Ukrainian plane & death of 176 innocent people,” he added.

“Investigations continue to identify & prosecute this great tragedy & unforgivable mistake.”

Earlier, Iran’s official IRNA news agency had published a statement from the military saying the Boeing 737 was mistaken for a “hostile plane” at a time when enemy threats were at the highest level.

The admission came a day after Iran’s civil aviation chief denied claims that the plane had been shot down, as international pressure mounted on Tehran to conduct a credible investigation after several Western governments blamed a missile strike.

The disaster came as tensions soared in the region after the Soleimani killing, and fears grew of an all-out war between the United States and Iran.

Washington has said the Soleimani strike was carried out to prevent “imminent”, large-scale attacks on US embassies. Iran had vowed “severe revenge” for Soleimani before launching missiles at the bases in Iraq.

“Human error at time of crisis caused by US adventurism led to disaster,” Iranian Foreign Minister Javad Zarif tweeted.

“Our profound regrets, apologies and condolences to our people, to the families of all victims, and to other affected nations.”

Iran has invited the United States, Ukraine, Canada and others to join the crash investigation.

The majority of passengers on UIA Flight PS752 which had just taken off from Tehran were Iranian-Canadian dual nationals but also included Ukrainians, Afghans, Britons and Swedes.

It was Iran’s worst civil aviation disaster since the US military shot down an Iran Air plane over the Gulf by mistake in July 1988, killing all 290 people on board.

Video footage of the UIA 737, which the New York Times said it had verified, emerged and appeared to show the moment the airliner was hit.

A fast-moving object is seen rising at an angle into the sky before a bright flash appears, which dims and then continues moving forward. Several seconds later, an explosion is heard and the sky lights up.

Many airlines from around the world cancelled flights to and Iran in the wake of the crash, or rerouted flights away from Iranian airspace.

Nations around the world have called for restraint and de-escalation, and fears of a full-blown conflict have subsided after US President Donald Trump said on Wednesday that Iran appeared to be standing down after targeting the US bases in Iraq.

– AFP

The post Iran says unintentionally shot down Ukrainian airliner appeared first on The Online Citizen.

Continue Reading →

Discover Bank Promotions: $150/$200 Savings Bonus & $360 Cashback Debit for January 10, 2020

Discover Savings BonusFind the latest Discover Bank promotions, offers, and bonuses for January 10, 2020 here.

Their typical amount for their Online Savings are $150 or $200 bonus. Debit Cashback account gets you $360 cash back.

Discover Bank has a range of accounts including Online Savings, Checking, Money Market, CD, and IRA accounts. Member FDIC.

About Discover Bank Promotions

Headquartered in Greenwood, Delaware, Discover Bank is an online-only bank with no retail branches. They can offer better rates by operating their banking services online due to little overhead. Their line of deposit accounts include Savings, Checking, Money Market, CD, and IRA CD accounts.

Discover even has IRAs and CDs with terms of up to to 10 years, as well as Money Market account all with competitive APY rates. Be sure to search of the best bank promotions from the internet’s most updated list, then compare rates with all the best listed on our Savings Rates Page and CD Rates Page.

I’ll review current Discover Bank offers below.

TOP DISCOVER BANK PROMOTIONS
*Find all Discover Bank Promotions here*
PROMOTIONAL LINK OFFER REVIEW
Discover Bank Online Savings $200 Cash Review
Discover Bank Online Savings $150 Cash Review
Discover Cashback Debit $360 Cash Review
Discover Bank CD Up to 2.20% APY Review
Discover Bank Money Market Up to 1.60% APY Review
Discover Bank IRA CD Up to 2.20% APY Review


Discover Online Savings $200/$150 Bonus 

Discover Bank Bonuses

Earn $150 or $200 bonus from Discover Bank

Earn $200 Bonus with $25,000 minimum deposit from Discover Bank. Make sure to utilize the promo code HMB120 when you open an account to see the $200 promotion terms. Your savings account has no monthly minimum balance requirement!

  • Account Type: Discover Online Savings
  • Availability: Online, Nationwide
  • Expiration: 2/3/2020
  • Credit Inquiry: Soft Pull via ChexSystems
  • Opening Deposit: $0
  • Credit Card Funding: None
  • Direct Deposit Requirement: None
  • Monthly Service Fee: None
  • Closing Account Fee: None

One of my first bank bonuses, Discover Online Savings is known for its online convenience and high interest yields. They provide a safe and secure way to save money each month.

As with any online bank, Discover is able to avoid overhead costs of a physical branch, thus saving money and offering you a higher savings rate. This is simply one of the best Discover Bank promotions!

(See Advertiser for full details)

How To Earn The $200/$150 Bonus

HOW TO EARN BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
  • Apply for your first Discover Online Savings Account.
  • Enter Offer Code HMB120 when applying.
    • Fund your first savings account with a minimum of $25K by 2/17/2020 to earn the $200 bonus
    • Fund your first savings account with a minimum of $15K by 2/17/2020 to earn the $150 bonus
  • Maximum bonus eligibility is $200. See advertiser website for full details
  • Earn high interest rate of 1.70% APY
  • No minimum opening deposit, no minimum balance requirement, and no monthly fees
  • Interest on Discover Online Savings Accounts is compounded daily and credited monthly
  • Manage your account online or with the Discover mobile app
  • FDIC insurance up to $250,000
  • There are no monthly service fee for this account.
  • Offer not valid for existing or prior Discover savings customers.
  • Account must be open when bonus is credited.
  • Bonus is considered interest and will be reported on IRS Form 1099-INT.
  • Offer may be modified/withdrawn without notice.

Discover Cashback Debit $360 Yearly

Earn 1% cash back for up to $3,000 each month on debit card purchases with a Discover Cashback Debit account. That’s up to $360 Debit Card Cashback per year. Enjoy many perks such as no monthly fees or balance requirements and access to +60,000 free ATMs.

  • Account Type: Discover Cashback Debit
  • Availability: Online, Nationwide
  • Credit Inquiry: Soft pull, which does not affect your credit
  • Monthly Fees: None

(No Expiration Date Listed)

Another great Discover Bank promotion is the Discover Cashback Checking account. I use the free checking account myself which allows me to earn up to $360 a year in cash back bonuses.

How To Earn $360 Yearly Cash Back

HOW TO EARN BONUSACCOUNT FEATURESWAIVE THE MONTHLY FEEFINE PRINT
  • Access to over 60,000 free ATMs in the U.S. (uses the Allpoint network; the largest ATM network big online banks use)
  • Earn 1% cash back on up to $3,000 in debit card purchases each month
  • Free Online Bill Pay (standard with most banks)
  • Free Check Reorder (good perk; most banks charge for re-orders)
  • No Cost for Replacement Debit Card (standard with most banks)
  • Free Official Bank Check (standard with most banks)
  • No Cost for Expedited Delivery for your Replacement Debit Card (good perk; some banks charge for this)
  • Free Outbound ACH Transfers (standard with most banks)
  • Free Incoming Wire (good perk; most traditional banks charge for this)
  • No monthly fees or monthly balance requirements (standard with online banks; traditional banks usually have monthly maintenance fees)
  • ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards.
  • Purchases made using third-party payment accounts (services such as Venmo® and PayPal™, who also provide P2P payments) may not be eligible for cash back rewards.
  • Account must be open at the time the rewards are applied. Offer may be modified or withdrawn without notice.
See our review on the Discover Cashback Checking account.

Discover Certificate of Deposit 2.20% APY Rate

Discover Bank CD

Earn up to 2.20% APY for CD

Discover Bank offers Certificates of Deposit (CD) accounts with some of the highest rates. Depends on the length of the term, you can earn up to 10 years with 2.20% APY.

In order to open a CD, you need a minimum deposit is $2,500 and the interest rates have been consistently competitive with terms as short as 3 months to 120 months long.

CD Term APY Rate
3-Month Term 0.35% APY
6-Month Term 0.65% APY
9-Month Term 0.70% APY
12-Month Term 2.00% APY
18-Month Term 2.00% APY
24-Month Term 2.05% APY
30-Month Term 2.05% APY
3-Year Term 2.05% APY
4-Year Term 2.05% APY
5-Year Term 2.10% APY
7-Year Term 2.15% APY
10-Year Term 2.20% APY

(FDIC Insured)

Interest rate from traditional Savings account can change the next day, however CDs rate can be guaranteed for the length of the term for risk-free income.

CDs features include high interest rates, 24/7 Live Customer Service, Online Account Management, and FDIC Deposit Insurance up to $250,000 per individual account holder (FDIC certificate 5649).


Discover IRA CD 2.20% APY Rate

If you are thinking about retirement, consider getting a Discover Bank IRA CD account to earn a guaranteed rate to offset your risk for the future. Discover’s 10-year IRA CD is currently earning an incredible rate of 2.20% APY. This is much higher than any savings account I have seen and could be quite a good investment in the long run.

With Discover Bank, you can choose an IRA term as low as 3 months or as long as 10 years. They also provide 24/7 phone service so you can always call them if you have any further questions!

(FDIC Insured)


Discover Money Market Up to 1.60% APY Rate

Discover Money Market

Discover Bank’s Money Market account offers 1.55% APY rate on balances up to $99,999. Those with a balance $100K and higher, you’ll earn 1.60% APY with easy cash access via ATM, debit, or check. There is no hidden fees and get access to over 60,000 free ATMs.

Discover Bank provides great APY rates so you can earn more money with many free features transfer money, withdraw money, deposit money, view your daily activity, or pay bills in just a few steps online or on your mobile phone.

(FDIC Insured)

See our review on the Discover Money Market account.

Should You Open a Discover Bank Account?

We consider Discover Bank to be the top online bank in the country. These Discover bank promotions have a nice deposit bonus along with some of the highest interest rates on savings products.


Discover Monthly Fees

Discover recently eliminated many of their fees– pretty much no fees at all.

Cashback Checking:

  • No monthly service fee
  • No ATM fee at over 60,000 ATMs in the US
  • Zero fee for online bill pay
  • No fee for check order
  • No fee for replacement debit card
  • Zero fee for official bank check
  • No fee for outbound ACH transfers
  • No fee for deposited item returned
  • Zero fee for incoming wire
  • No fee for stop payment
  • No insufficient funds fee

Online Savings:

  • No fee monthly service fee
  • No fee for official bank check & expedited delivery
  • Zero fee for deposited item returned
  • No fee for incoming wire
  • No fee for each excessive withdrawal
  • Zero fee for stop payment order
  • No fee insufficient funds fee

Money Market:

  • No fee for minimum balance fee
  • No fee for ATM fee at over 60,000 ATMs in the US
  • Zero fee for check order
  • No fee for replacement debit card
  • No fee for deposited item returned
  • Zero fee for incoming wire
  • No fee for each excessive withdrawal
  • No fee for stop payment
  • Zero fee for insufficient funds fee

Certificate of Deposits:

  • Zero monthly service fee
  • No fee for official bank check
  • No fee for incoming wire

Bottom Line

Definitely sign up for an online checking or savings account with no monthly fees or minimum balance requirements. Discover also has great CD accounts with outstanding % APY rates.

The Discover Online Savings and Debit Cashback checking are both recommended. A great way to earn some extra money on your cash balances for opening your first online savings account!

*Stay up to date by bookmarking this page for Discover bank promotions, bonuses, and offers!

#pt-cv-view-ad9621ctav .pt-cv-content-item { padding-top: 10px !important; padding-left: 10px !important; padding-bottom: 10px !important; padding-right: 10px !important; }
#pt-cv-view-ad9621ctav { margin-top: 10px !important; margin-left: 10px !important; margin-bottom: 10px !important; margin-right: 10px !important; }
#pt-cv-view-ad9621ctav.pt-cv-post-border { margin: 0; border-top-width: 1px; border-left-width: 1px }
#pt-cv-view-ad9621ctav.pt-cv-post-border { margin: 0; border-top-style: solid; border-left-style: solid }
#pt-cv-view-ad9621ctav.pt-cv-post-border .pt-cv-content-item { border-right-width: 1px; border-bottom-width: 1px; border-right-style: solid; border-bottom-style: solid; }
#pt-cv-view-ad9621ctav .pt-cv-title a, #pt-cv-view-ad9621ctav .panel-title { font-family: ‘Open Sans’, Arial, serif !important; font-weight: 600 !important; }
#pt-cv-view-ad9621ctav .pt-cv-hover-wrapper::before { background-color: rgba(0,0,0,.3) !important; }
#pt-cv-view-ad9621ctav .pt-cv-content-item:hover .pt-cv-hover-wrapper::before { background-color: rgba(51,51,51,.6) !important; }
#pt-cv-view-ad9621ctav:not(.pt-cv-nohover) .pt-cv-mask * { color: #fff; }
#pt-cv-view-ad9621ctav .pt-cv-carousel-caption { background-color: rgba(51,51,51,.6) !important; }
#pt-cv-view-ad9621ctav .pt-cv-specialp { background-color: #CC3333 !important }
#pt-cv-view-ad9621ctav .pt-cv-specialp * { color: #fff !important; }
#pt-cv-view-ad9621ctav .pt-cv-pficon { color: #bbb !important; }
#pt-cv-view-ad9621ctav .add_to_cart_button, #pt-cv-view-ad9621ctav .add_to_cart_button * { color: #ffffff !important; background-color: #00aeef !important; }
#pt-cv-view-ad9621ctav .woocommerce-onsale { color: #ffffff !important; background-color: #ff5a5f !important; }
#pt-cv-view-ad9621ctav .pt-cv-readmore { color: #ffffff !important; background-color: #00aeef !important; }
#pt-cv-view-ad9621ctav .pt-cv-readmore:hover { color: #ffffff !important; background-color: #00aeef !important; }
#pt-cv-view-ad9621ctav + .pt-cv-pagination-wrapper .pt-cv-more , #pt-cv-view-ad9621ctav + .pt-cv-pagination-wrapper .pagination .active a { color: #ffffff !important; background-color: #00aeef !important; }
[id^=’pt-cv-filter-bar-ad9621ctav’] .active.pt-cv-filter-option, [id^=’pt-cv-filter-bar-ad9621ctav’] .active .pt-cv-filter-option, [id^=’pt-cv-filter-bar-ad9621ctav’] .selected.pt-cv-filter-option, [id^=’pt-cv-filter-bar-ad9621ctav’] .dropdown-toggle { color: #fff !important; background-color: #00aeef !important; }
[id^=’pt-cv-filter-bar-ad9621ctav’] .pt-cv-filter-title { color: #fff !important; background-color: #00aeef !important; }
#pt-cv-gls-ad9621ctav li a.pt-active { color: #fff !important; background-color: #ff5a5f !important; }
#pt-cv-view-ad9621ctav .pt-cv-gls-header { color: #fff !important; background-color: #00aeef !important; }

FEATURED BANK PROMOTIONS
PROMOTIONAL LINK OFFER REVIEW
Chase SapphireSM Checking $1,000 Cash Review
Chase Private Client $2,000 Cash Review
Chase Total Business Checking® $200 Cash Review
Chase Premier Plus CheckingSM $300 Cash Review
Chase Total Checking® + Chase SavingsSM $350 Cash Review
Discover Bank Online Savings $200 Cash Review
Chase College CheckingSM $100 Cash Review
Huntington 5 Checking $200 Cash Review
You InvestSM by J.P. Morgan $625 Cash Review
HSBC Premier Checking Member FDIC $700 Cash Review
HSBC Advance Checking Member FDIC $350 Cash Review
TD Bank Beyond Checking $300 Cash Review
TD Bank Convenience CheckingSM $150 Cash Review
Discover Cashback Debit Account $360 Cash Review
Huntington Bank Unlimited Plus Business Checking $750 Cash Review
Huntington Bank Unlimited Business Checking $400 Cash Review
Huntington Bank Business Checking 100 $200 Cash Review
UFB Direct High Yield Savings 2.00% APY Review
Simple 1.90% APY Review
CIT Bank Savings Builder 1.80% APY Review
E*TRADE $2,500 Cash Review
Ally Invest $3,500 Cash Review
TD Ameritrade $600 Cash Review

More

The post Discover Bank Promotions: $150/$200 Savings Bonus & $360 Cashback Debit for January 10, 2020 appeared first on Hustler Money Blog.

Continue Reading →

10 Minute Awakening Review

If you can create the life you want, would you do it? A life that manifests anything you want and can unlock your full potential by maximizing the power of your subconscious! Let the 10 Minute Awakening take you to a magical transformation that will change your life for the better. What is 10 Minute…

Continue Reading →

Massive Passive Income: 2 Stocks (Yielding up to 10%) to Make You Rich in Your Sleep!

Man holding magnifying glass over a document

For many retirees, the 4% rule just doesn’t cut it.

While the rule allows investors to get a good balance of income and growth, one stands to leave a tonne of upfront yield on the table by following the arguably outdated rule of thumb. Consider the following two pizza royalty income funds that can allow you to more than double your passive income without having to risk your shirt.

Pizza Pizza Royalty

Up first, we have Pizza Pizza Royalty (TSX:PZA), an 8.7%-yielding income fund that collects royalties from popular Canadian pizza chains Pizza Pizza and Pizza 73. Shares of the income giant have been under pressure over the last few years, now down 46% from all-time highs reached in 2017.

Fierce competition in the pizza market and tightening budgets of indebted Canadian consumers share part of the blame for Pizza Pizza’s 52% peak-to-trough drop. And with consolidated same-store sales growth (SSSG) numbers slightly in the red (-0.1%) for the third quarter, many investors are wondering if the all-Canadian pizza giant can stay relevant in the new era of quick-serve restaurants.

There’s no question that food delivery services have curbed the appetite for pizza over the years. As the company ramps up its efforts to win back the business of Canadians, both through its marketing campaign emphasizing a delivery service that’s “done better,” and the (re)launch of intriguing menu items like the cauliflower crust and other plant-based meat alternative toppings, I see a scenario where comps could make a sustainable move back into the green.

The company has revamped its website and will look to leverage innovative new technologies to (like AI) to make permanent improvements that’ll eventually show up in the bottom line.

For now, Pizza Pizza is a heavily out-of-favour QSR player that’s absurdly cheap, offering investors a chance to lock in a handsome 8.7% yield. While earnings may pale in comparison to the massive size of the distribution, I don’t see a scenario where Pizza Pizza drastically reduces its distribution payout given the tools that management has to send comps (and EPS numbers) higher amid challenging economic conditions.

Boston Pizza Royalties

Sporting a 10.1%-yielding distribution, we have Boston Pizza Royalties (TSX:BPF.UN), another pizza player that’s succumb to a similar set of headwinds plaguing select Canadian restaurants. The company recently shuttered six restaurants and added five new ones with the hopes of bolstering per-store sales amid challenging economic conditions.

Fellow Fool David Da Costa believes that Boston Pizza is a “top buy,” despite citing that a dividend cut is a possibility if the company can’t get its SSSG growth numbers back in the right direction. A distribution that yields 10.1% is a huge commitment, and Da Costa thinks Boston Pizza could reduce its distribution modestly to yield 9.2%.

“A 9.2% dividend that has a payout ratio below 100% seems like a pretty attractive deal to me and shows the market may be overreacting with Bostom Pizza, moving it well into oversold territory.” said Da Costa. “There are still some other risks to consider, though, such as a lack of SSSG potentially causing some restaurants to close, which would impact overall sales numbers.”

If SSSG numbers deteriorate further, I think there’s no chance that Boston Pizza will trim its distribution ever so slightly. If it does cut, it’s going to be a sizeable cut, because, like it or not, shaving 10% off of a 10% yield isn’t going to provide enough financial wiggle room, nor will it impress income-oriented investors who’ll likely throw in the towel on such a move.

The damage to the reputation of even the slightest of distribution cuts will be substantial, so it only makes sense to slash the distribution in half, rather than proceed with potentially many cuts, as some energy firms did in the years following the 2014 implosion in oil prices.

In any case, I see Boston Pizza doing its best to retain its distribution as is over the intermediate term, while looking to shutter less-profitable locations to make room for new ones in more lucrative markets. If the opening and closing of restaurants combined with SSSG-driving initiatives fail, I wouldn’t be surprised to see Boston Pizza’s distribution slashed in half to 5%.

Free investor brief: Our 3 top SELL recommendations for 2019

Just one ticking time bomb in your portfolio can set you back months – or years – when it comes to achieving your financial goals. There’s almost nothing worse than watching your hard-earned nest egg dwindle!

That’s why The Motley Fool Canada’s analyst team has put together this FREE investor brief, including the names and tickers of 3 TSX stocks they believe are set to LOSE you money.

Stock #1 is a household name – a one-time TSX blue chip that too many investors have left sitting idly in their accounts, hoping the company’s prospects will improve (especially after one more government bailout).

Still, our analysts rate this company a firm SELL.

Don’t miss out. Click here to see all three names right now.

More reading

Fool contributor Joey Frenette has no position in any of the stocks mentioned. The Motley Fool owns shares of PIZZA PIZZA ROYALTY CORP.

Continue Reading →

Page 4 of 156