Man apologises to CPF Board and decides to get help from loved ones for child’s school fees

Last Wed (26 Jun), a 60-year-old elderly man Lim Koh Leong wrote on his Facebook page that despite having more than enough money in his CPF account to cover his daughter’s education fees, he was not allowed by the CPF Board to use a portion of the funds for his daughter’s education.

His Facebook post immediately went viral in couple of days, now garnering at least more than 1,400 comments.

Mr Lim revealed that he currently has more than $70,000 in his CPF account and he only needs $15,000 for his daughter’s school fees.

“Currently I’m already 60 years old, with an unstable job, how am I supposed to get the needed cash for my daughter’s education?!” he asked.

At the CPF office, he told the staff, “The money in my CPF is my hard earned money, I only need to use a part of it to pay for my daughter’s school fees which is $15,000, my CPF has more than enough inside to pay for my daughter’s school fees. Is there another way to do this?”

Apparently, according to Mr Lim, the staff from CPF Board told him abruptly, “Can apply, the chance of it is zero.”

Mr Lim continued, “I felt cheated, humiliated, angry. So many years of hard work, sweat and tears to earn the money and it’s inside CPF. It is supposed to be my money. I’m in need of it and yet, I cannot take my own money to help pay my daughter’s school fees.”

“Please share this post to help,” he added. “As a father, I want to help my daughter… Do I really have to resort to borrowing money and loans when I got my money in my CPF? Should I be forced to stop my daughter’s education?”

“Believe that this does not happen to just me. This kind of government… treating our own Singaporeans like this, can I still have trust and faith in them? Even for just my child’s school fees. What should I do? What can I do?” he asked.

CPF Board replies

Yesterday (29 Jun), CPF Board replied on its Facebook page. It said that Mr Lim did not have sufficient money in his CPF account for “basic retirement”. Hence, allowing him to use his CPF money for his daughter’s education is “not appropriate”.

CPF advised Mr Lim that a “better approach” is to “find other ways” to finance his daughter’s school fees. “We have spoken to him and are discussing alternative options,” it added.

CPF Board also said that after reviewing its video recording, it is “satisfied that our staff had served Mr Lim calmly and professionally”.

It added that Mr Lim had, in fact, apologised presumably for his post on 26 Jun. “Mr Lim explained he was upset and offered his apology which our staff has accepted,” CPF Board said.

Mr Lim thanks everyone for their support

Mr Lim also wrote another post on his Facebook page yesterday to update everyone that his daughter’s school fees have been settled by his own family members.

“Dear friends, my daughter’s tuition for education has been properly solved by my loved ones. Thank you very much for your concern and support,” Mr Lim wrote.

“In just a few days, I’ve undergone a lot of pressure and I am worried about my daughter’s future. I believe that there should be a lot of people who have the same problems as me. I hope they have better luck than me.”

He was especially touched by the thousands of Singaporeans who have shown their support.

“What touched me the most was that in such a small country under the pressure of being busy and living our own lives, I did not expect thousands of warmhearted people. They were discussing things about how my to solve daughter’s tuition, giving me advice and comforting me. Helping me check the information and so on,” he said.

“All the things you have done for me, I’m grateful, moved, I really don’t know how to thank you, I wish to make friends with all of you… There are also many people who even call me and send me a text message, willing to fork out their own money. Thank you very much. Your kindness is in my heart.”

“Once again, let me say: Thank you for your help and support, thank you! Thank you!” Mr Lim thanked everyone profusely.

The post Man apologises to CPF Board and decides to get help from loved ones for child’s school fees appeared first on The Online Citizen.

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Lee Hsien Yang turns up at Pink Dot with family while Lee Hsien Loong is missing despite open invitation

Newly married Li Huanwu and his husband Heng Yirui attended 11th Pink Dot Singapore (SG) event along with both their parents today (29 June) in Hong Lim Park.

Pink Dot SG shared a group photo of Mr Lee Hsien Yang, the younger brother of Prime Minister Lee Hsien Loong, and his wife Mrs Lee Suet Fern, Mr Li Huan Wu and his husband Mr Heng Yirui along with his family, at the Hong Lim Park event this afternoon.

“#loveislove with newly wedded husbands – Lee Kuan Yew grandson Li Huanwu and Dr Heng Yirui, and their parents Lee Hsien Yang, Lee Suet Fern with us at #PinkDot11 standing #AgainstDiscrimination!” Pink Dot SG wrote on their pages, attached with the family photo.

Li and Heng married in South Africa just a month ago, in the presence of their family members. Some netizens expressed thanks for the family photo that was taken during the wedding as a sign of solidarity to LGBTQ community.

In comparison to Mr Lee Hsien Yang and his family’s open acceptance to same-sex relationships, Mr Lee Hsien Loong, the elder brother who is the Prime Minister of Singapore, took a far-more conservative stance when he said that Section 377A “remains on our legislation, and it will for some time”. This was in response to a question from a member of the audience at the Smart Nation Summit at Marina Bay Sands on Wed (26 Jun) in regards to making Singapore’s legislation more inclusive for individuals who are not heterosexual.

Section 377A criminalises the act of sex between two males, a  law that was left behind by the British colonists and preserved in Singapore law.

PM Lee stressed that by retaining the particular piece of legislation does not mean Singapore is hostile towards the LGBTQ community, as Section 377A “has not stopped Pink Dot from having a gathering every year”.

“You know our rules in Singapore. Whatever your sexual orientation, you are welcome to come and work in Singapore.” said PM Lee

In response to this comment by the Prime Minister, Pink Dot SG voiced its disagreement on its Facebook page:

Pink Dot’s existence is not proof of Singapore’s inclusiveness to the LGBTQ community. Pink Dot exists precisely because members of the LGBTQ community in Singapore continue to face discrimination and inequality in a multitude of ways, on a daily basis. This discrimination that we face is borne from Section 377A, along with its trickle-down effects to other laws and policies that govern our society at large.

Judging from PM Lee’s response, he might not have a full understanding of the discrimination that takes place in Singapore. This year, Pink Dot 11’s campaign tells stories of discrimination that the LGBTQ community experience in our country. We invite PM Lee and our leaders to come down to Hong Lim Park this Saturday and truly make an effort to understand what the LGBTQ community go through on a daily basis.

Despite the invitation from Pink Dot SG, PM Lee is nowhere to be seen in Hong Lim Park by the end of the event. Instead, his brother was there with his family to show support to the cause.

The post Lee Hsien Yang turns up at Pink Dot with family while Lee Hsien Loong is missing despite open invitation appeared first on The Online Citizen.

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CIT Bank Promotions for June 29, 2019: 2.30% Savings Builder, 2.50% APY CD Term

CIT Bank

See updated CIT Bank promotions, bonuses, rates, and offers for June 29, 2019.

At the moment you can earn 2.30% APY for a Savings Builder account, 1.85% APY for a Money Market account, 2.05% APY for a No-Penalty CD account, 1.55% APY for a High Yield Savings account, up to 2.50% on a Term CD account, and many other promotions.

About CIT Bank Promotions

For more than 100 years, CIT Group Inc., a Fortune 500 company, has helped drive innovation as a leader in middle-market lending, and financing the retail, energy, healthcare, transportation and technology sectors.

CIT Bank is also perfect if you are looking for high interest rates to build up your savings account! If you want to check up on the internet’s most complete list of Bank Account Rates.

  • Availability: Nationwide (Online)
  • Routing Number: 124084834
  • Customer Service: Contact Information

Currently, CIT Bank is offering Savings Accounts, Money Market Accounts, and CDs with various rates but we recommend you compare their rates with our full list of CD Rates.

Next, I’ll review current CIT Bank offers below.

CIT Bank Savings Builder Offer 2.30% APY 

CIT Bank Rates

Earn 2.30% APY with CIT Bank Savings Builder

The Savings Builders account from CIT Bank is a tiered savings account that allows you to earn competitive rates based on account balances or when you have a direct deposit.

  • Account Type: Savings Builder
  • Availability: Nationwide; Online Only
  • Credit Inquiry: Soft Pull
  • Opening Deposit: $100 minimum
  • Credit Card Funding: None
  • Direct Deposit Requirement: No
  • Direct Deposit Options: Unknown. Let us know.
  • Monthly Service Fee: None

(FDIC Insured)

You can begin your savings journey with Savings Builder which allows you to earn interest regardless of your account balance. CIT Bank Savings Builder Review.

How To Earn Rate

HOW TO EARN RATERATE TIERSACCOUNT FEATURESFINE PRINT
  • Maintain at least a $25,000 balance OR make at least a $100 each month to earn the highest rate.
  • The higher interest rate can be earned by completing one of following requirements:
    1. Monthly Savers:
      • Make at least one single deposit of $100 or more during the first Evaluation Period which begins on the third business day prior to the end of the month the account was opened.
      • Additional deposits made between the account opening date and the beginning of the first Evaluation Period will not qualify.
      • In order to continue to earn the higher rate, make at least one single deposit of $100 every month.
    2. High Balance Savers:
      • Have an account balance of $25,000 or more on each Evaluation Day. The Evaluation day is the fourth business day prior to the end of the month.
Tier Balance Requirement APY
Base $0 – $25,000 1.28%
Upper $0 – $25,000, but with monthly deposit of $100 or more 2.30%
Upper $25,000+ 2.30%

*APY assumes the account is opened on the 15th day of the month and no qualifying deposits of $100 are made following account opening. Actual APY may be greater or less depending on the date the account is opened.

**Interest Rate is 2.274% during the Introductory Period and 0.995% thereafter.

***APY assumes additional qualifying deposits are made each Evaluation Period.

  • Make the most of your money. Online savings banks offer much higher rates than everyday banks. Open an account with $25,000 or more and earn a top tier, competitive APY on your money—one of the top savings rates in the nation.
  • Build a habit of savings. If you don’t have $25,000 in your account, you can still earn the higher APY Tier by making a monthly $100 or more deposit. Pay yourself first. Start with $100 per month and build your habit of savings-—all while getting a top rate.
  • Emergencies and unexpected events. Whether it’s for a job loss, pet expense, car or home repair, or medical issue, it’s most often the #1 reason people save.
  • New or next home. Grow your savings faster than at your everyday bank for your first—or next dream home.
  • On each Evaluation Day the interest rate applicable for the next Evaluation Period will be determined.
  • Accounts with an end-of-day balance of at least $25,000 on the Evaluation Day or with at least one deposit of $100 or more that posts to the account during the Evaluation Period will earn the Upper Tier interest rate during the next Evaluation Period.
  • Accounts with an end-of-day balance less than $25,000 on an Evaluation Day without a deposit of $100 or more that posts to the account during the Evaluation Period will earn the Base Tier interest rate for the next Evaluation Period.
  • This process will occur every month.
  • The First Evaluation Period for this account begins on June 26, 2019 and ends on the First Evaluation Day, Friday, July 26, 2019.
  • With a balance less than $25,000, in order to continue earning the Upper Tier interest rate during the next Evaluation Period, the customer must make at least one deposit of $100 or more during the First Evaluation Period, June 26 through July 26, 2019.

CIT Bank Money Market Account Offer 1.85% APY 

CIT Ban Money Market APY Interest

Earn 1.85% APY when you open a CIT Bank Money Market Account. With this account, you can earn a higher rate than at traditional banks and access your money easily.

  • Account Type: Money Market
  • Availability: Nationwide; Online Only
  • Credit Inquiry: Soft Pull
  • Opening Deposit: $100 minimum
  • Credit Card Funding: None
  • Direct Deposit Requirement: No
  • Direct Deposit Options: Unknown. Let us know.
  • Monthly Service Fee: None

(FDIC Insured)

With a low-minimum opening deposit of $100, the CIT Bank Money Market Account is ideal for building an emergency fund or saving for a large purchase. CIT Bank Money Market Review.

How To Earn Rate

HOW TO EARN RATERATE TIERSACCOUNT FEATURESFINE PRINT
  • Open a CIT Bank Money Market account online with $100 opening deposit
  • Input your info – Provide your name, address, phone, email and social security number or Tax ID.
  • Fund the account – Fund your account with $100 minimum initial deposit
Balance Requirement APY
None 1.85%
  • Type of an account eligible for People Pay – You will need the have a Money Market account to use the People Pay service
  • Set up recurring payments – You may schedule payments for specific amounts and frequencies, including: weekly, biweekly, monthly, bimonthly, quarterly, semi-annually or annually
  • People Pay Usage outside of U.S – You may pay bills from outside the U.S. if you are using a compatible browser. Payments may only be made in U.S. currency to payees within the United States
  • For a joint membership in People Pay  Both account holders must be signers on a Money Market account. Each account holder needs a unique username and password to access People Pay. People Pay activity for both account holders can be viewed under Account Services in Online Banking
  • People Pay work through Pay Pal – You must enroll in the Pay Pal service. There may be a fee charged by Pay Pal for their People Pay service. The CIT Bank People Pay service is offered free of charge
  • Non-sufficient or unavailable funds – If you accidentally schedule a payment and have unavailable funds,
    your account will be charged a non-sufficient or unavailable funds fee of $30. Additional scheduled payments will be suspended until the matter is resolved with People Pay. For more information, please call the Contact Center at 855-462-2652
  • Customer Support – For People Pay inquiries, please call the Contact Center at 855-462-2652 or send them a Secure Message via Online Banking
  • Money Market Annual Percentage Yield (APY) is accurate as of May 10, 2019.
  • Interest Rates for the Money Market Account are variable and may change at any time without prior notice.
  • Fees will reduce earnings.

CIT Bank 2.05% APY 11-Month No-Penalty CD

CIT Bank No Penalty CD Review: Earn 2.05% APY Rate 11-Month CD

CIT Bank CDs provide a safe, secure way to grow your savings and you can even choose from a selection of CD terms to help you stay on target for your savings goals.

  • Account Type: No-Penalty 11-Month CD
  • Availability: Nationwide; Online Only
  • Credit Inquiry: Soft Pull
  • Opening Deposit: $1,000 minimum
  • Credit Card Funding: None
  • Direct Deposit Requirement: No
  • Direct Deposit Options: Unknown. Let us know.
  • Monthly Service Fee: None

(FDIC Insured)

Whether you’re investing your funds in an interest bearing account to save up for your next vacation, a new car, house, or even retirement, the 2.05% APY 11-Month No-Penalty CD is a definite and secure way to do so! CIT Bank No-Penalty CD Review.

How To Earn Rate

HOW TO EARN RATERATE TIERSACCOUNT FEATURESFINE PRINT

You will need the standard information, including your SSN, drivers license, the account information of the bank you wish to link to your CIT account, and similar information.The minimum deposit for CDs is $1,000 for the no penalty CD.

  1. Select the No-Penalty CD on CIT Bank’s website.
  2. Complete your application.
  3. Review and accept the terms and conditions.
  4. Set up a few security questions.
  5. Fund the new account (You can transfer money into CIT through an ACH transfer)
Term Length Account Balance APY
11-Month No-Penalty CD $1,000+ 2.05%
  • No penalty to access funds if needed before maturity
  • No opening or maintenance fees
  • Daily compounding interest to maximize your earning potential
  • FDIC insured
  • APY — Annual Percentage Yield is accurate as of May 10, 2019.
  • You may withdraw the total balance and interest earned, without penalty beginning seven days after the funds have been received for your CD. No withdrawals are permitted during the first six days following the receipt of funds.

CIT Bank CD Accounts

CIT Bank CD CIT Bank Money Market Account CIT Bank Promotions Bonuses CIT Bank Savings Builder CIT Bank Bonuses Promotions Savings Builder CD No Penalty Bonus Money Market Savings Account

With only $1,000 account opening deposit you can open a CD with Cit Bank. Additionally, you get to enjoy no maintenance fees, daily compounding interest to maximize your earning potential.

  • Account Type: CD
  • Availability: Nationwide; Online Only
  • Credit Inquiry: Soft Pull
  • Opening Deposit: $1,000 minimum
  • Credit Card Funding: None
  • Direct Deposit Requirement: No
  • Direct Deposit Options: Unknown. Let us know.
  • Monthly Service Fee: None

(FDIC Insured)

CIT Bank offers CD terms from 6 to 60 months with competitive rates ranging from 0.72% APY up to 2.50% APY. For a full list of their rates please check out our CIT Bank CD Account Review.

How To Earn Rate

HOW TO EARN RATERATE TIERSACCOUNT FEATURESFINE PRINT

You will need the standard information, including your SSN, drivers license, the account information of the bank you wish to link to your CIT account, and similar information. The minimum deposit for CDs is $1,000 for the no penalty CD.

  1. Select the CD term on CIT Bank’s website of your choice.
  2. Complete your application.
  3. Review and accept the terms and conditions.
  4. Set up a few security questions.
  5. Fund the new account (You can transfer money into CIT through an ACH transfer)
Term Length APY Account Balance
6-Month 0.72% $1,000+
12-Month 2.20% $1,000+
13-Month 2.25% $1,000+
18-Month 2.50% $1,000+
24-Month 1.40% $1,000+
36-Month 1.30% $1,000+
48-Month 1.50% $1,000+
60-Month 1.70% $1,000+
  • No penalty to access funds if needed before maturity
  • There is no opening or maintenance fees
  • Daily compounding interest to maximize your earning potential
  • FDIC insured
  • APY — Annual Percentage Yield is accurate as of May 10, 2019.
  • You may withdraw the total balance and interest earned, without penalty beginning seven days after the funds have been received for your CD.
  • No withdrawals are permitted during the first six days following the receipt of funds.

Bottom Line

If you don’t mind not having a not having a physical location, you can sign up for any CIT Bank promotions and enjoy these bonuses!

Also, get great interest rates on savings accounts that features a daily compounding of interest to maximize earning potential! Never worry about hidden fees, and bank on-the-go!

*Check back to find the latest CIT Bank promotions, offers, and rates.

FEATURED BANK PROMOTIONS
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Chase Premier Plus CheckingSM $300 Cash Review
Chase College CheckingSM $100 Cash Review
Chase Private Client $1,250 Cash Review
TD Bank Beyond Checking $300 Cash Review
TD Bank Convenience CheckingSM $150 Cash Review
Discover Cashback Debit Account (Cashback Match) $360 Cash Review
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Huntington Bank Unlimited Plus Business Checking $500 Cash Review
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The post CIT Bank Promotions for June 29, 2019: 2.30% Savings Builder, 2.50% APY CD Term appeared first on Hustler Money Blog.

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Discover Bank Cashback Debit Review: Earn Up To $360 Debit Card Cashback Bonus Per Year + Cashback Match

Discover Cash Back DebitAvailable nationwide, the Discover Cashback Debit account allows you to earn 1% cash back on up to $3,000 in debit card purchases each month – up to a $360 Debit Card Cashback Bonus per year!

This account comes with no monthly fees or monthly balance! With access to over 60,000 no-fee ATMs across the U.S., this is a great way for you to earn rewards on all of your purchases! With the Discover Bank checking account, you can enjoy these excellent features:

  • Redeem your Debit Card Cashback Bonus for any amount.
  • Withdraw Money – With over 60,000 no-fee ATMs in the U.S., Discover is always nearby.
  • Transfer Money – Move money easily and securely with just a few clicks or taps (transfers to existing discover accounts are immediate)!
  • View Activity – Keep tabs on your checking balance and account activity online or on the go.
  • Pay Bills – Manage your account and avoid late fees by paying bills online.
  • Deposit Checks – Deposit checks on the go with your phone or automatically with direct deposit.

Disclosure: 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. In addition, 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. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

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 3.05% APY Review
Discover Bank Money Market 2.00% APY Review
Discover Bank IRA CD Up to 3.05% APY Review

Debit Cashback Match Offer


As a limited time promotion, Discover will match all the Cashback you’ve earned automatically through 12/31/2019 if you apply for your first Cashback Debit account using offer code CHMB719 by 7/30/19! Simply use your debit card to earn 1% cash back on up to $3,000 in debit card purchases each month and Discover will match all the Cashback you’ve earned through 12/31/2019!

How to qualify for Debit Cashback Match

Disclosure: To qualify for Debit Cashback Match, you must apply for your first Discover Cashback Debit account online by 7/30/2019 and enter Offer Code CHMB719 at the time of your application. We will then match all of the Cashback Bonus rewards you earn each month through 1/30/2019. Cashback Match bonus will be applied to your account by 4/6/2020. Account must be open at the time the rewards are applied. Offer may be modified or withdrawn without notice. Apply Now


Discover Cashback Debit Account Summary


Discover Cashback Debit Account - CheckingWith Discover Cashback Debit account:
• Earn 1% cash back on up to $3,000 in debit card purchases each month, which lets you earn up to a total of $360 Debit Card Cashback Bonus per year.
• Discover will match all the Cashback you’ve earned automatically through 1/31/2020 if you apply for your first Cashback Debit account using offer code CHMB719 by 7/30/19
• Anyone can open a Discover Cashback Debit account online
• No monthly fees or monthly balance requirements
• With over 60,000 no-fee ATMs in the U.S., Discover is always nearby.
• Move money easily and securely with just a few clicks or taps (transfers to existing discover accounts are immediate)!
• Manage your account and avoid late fees by paying bills online.
• Deposit checks on the go with your phone or automatically with direct deposit.


Discover Cashback Debit Bonus Information


  • Direct Link to Offer
  • Account Type: Discover Cashback Debit account
  • Availability: Nationwide
  • Expiration Date: 7/30/2019
  • Credit Inquiry: Soft Pull
  • Opening Deposit: None
  • Credit Card Funding: No
  • Monthly Fee: $0
  • Account Closure Fee: $0

Earn Discover Bank 1% Cashback


  1. Sign up for a Discover Cashback Debit account from Discover Bank. Click any “Open an Account” button to begin the application process.
    • If you have any questions during the opening process, please call their Banking Specialists at 1-800-347-7000.
    • Discover will match all the Cashback you’ve earned automatically through 1/30/2020 if you apply for your first Cashback Debit account using offer code CHMB719 by 7/30/19
  2. Enter your information in order to complete the application and open your account.
  3. You can enjoy earning up to $30 Debit Card Cashback Bonus per month (1% Cashback on balances up to $3,000 in debit card purchases) – up to $360 Debit Card Cashback Bonus PER year.

Bonus Terms & Fine Print


  • Anyone can open a Discover Cashback Debit account online.
  • ATM Transactions, cash over portions of point-of-sale transactions, and Peer-to-Peer (P2P) payments are not eligible for cashback rewards. Purchases made using third-party payment accounts (services such as Venmo® and PayPal™) may not be eligible for cashback.
  • The Debit Card Cashback Bonus rewards from your credit card account and your checking account will be maintained separately. However, you will be able to transfer checking cashback bonus earned with your Cashback checking account to your Discover Credit Card Cashback Bonus Account in any amount.
  • Debit Card Cashback Bonus from Discover Cashback Checking® accounts that are active and in good standing will never expire.

Who This Account is Best For


If you don’t mind doing all of your banking online or on your mobile device, the Discover Cashback Debit Account may be good for you. There are no brick-and-mortar Discover branches. However, you get access to many no-fee ATMs.

Find the nearest no-fee ATM by searching on the Discover website or mobile app. Plus, enjoy customer service 24/7.

In addition, this account is great for someone who uses a debit card rather than a credit card. Although credit cards are notable for offering rewards, some people prefer using cash instead.

Some reasons why are for staying out of debt or keeping track of their spending easier. Because Discover will give you up to $30 back each month, this account is worthwhile for heavy credit card users.

Concerned about the safety of your money? Discover Bank is FDIC-insured, up to the maximum allowed by law. There’s also a $0 liability protection, ensuring that you’re never held responsible for unauthorized transactions.


Discover Cashback Debit Account Features


The Discover Cashback Debit Account has many features most standard checking accounts don’t offer. Here are some notable features that may entice you:

No monthly maintenance fees. Many checking accounts will charge a fee if you don’t maintain a certain balance, opt in direct deposit, or spend a specific dollar amount each month with the debit card. With Discover, there is no minimum deposit to open an account and no ongoing minimum balance requirement. Plus, there’s no fee for inactivity on the account.

Discover also offers other benefits that most banks charge for, including:

  • Free debit card and replacement (free expedited shipping)
  • Free standard checks
  • No-fee incoming wire transfers
  • Free official bank checks

Annual first fee forgiveness. Like most banks, Discover will charge a fee if you have insufficient funds or if you have to place a stop payment on your check. Unlike other banks, Discover boasts an “Annual First Fee Forgiveness” feature. This means, each calendar year, the first eligible fee you have on your account (either an Insufficient Funds fee or a Stop Payment fee) will be waived and credited back to your account.

Combine cash back earned on your Discover credit card. While cash back balances on each account will be kept separate, you can transfer your cash back in any amount to your credit card. Thus, if you use both Discover’s credit and debit card, this will benefit you greatly. You can also redeem cash back as credit to your checking account.

Free checks and easy deposits. As mentioned above, Discover offers free standard checks. Order them through Discover by filling out a request form online. It’s also simple to deposit checks. Just open their mobile app, take a picture of the front and back of the check, and you’re good to go.


Need A Savings Account?


Discover Bank Online Savings
Open a Discover Online Savings Account for all these features:
• Bonus offer applies for your first Discover Online Savings Account
• Earn $200/$150 Bonus with promo code HMB619 by July 1, 2019
• Fund your first savings account with a minimum of $25K by July 15, 2019 to earn the $200 Bonus
• Fund your first savings account with a minimum of $15K by July 15, 2019 to earn the $150 Bonus
• Earn high interest rate of 2.10% APY
• No minimum opening deposit, no minimum balance requirement, and now no 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

See advertiser website for full details


Bottom Line


This is a great opportunity for those who would like to take advantage of cash back opportunities on their purchases!

With no monthly fee or minimum balance requirement to worry about, this cashback checking account rewards you for your everyday purchases!

Apply today to start earning 1% cash back on up to $3,000 in debit card purchases each month. Enjoy earning up to a $360 Debit Card cashback bonus each year with Discover Cashback Debit account.

If you’re looking for a simple, but rewarding account, try Discover. This account is one of the most convenient and customer-focused online banks around.

Let us know your thoughts and experience with this bank by commenting below. If you would like to see more, check out our full list of Bank Bonuses for all your banking needs.

(Visit Discover for more details)

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The post Discover Bank Cashback Debit Review: Earn Up To $360 Debit Card Cashback Bonus Per Year + Cashback Match appeared first on Hustler Money Blog.

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Cook Up Some Tasty Profits With This All-Weather Dividend Stock

Burning gas and electric cooker rings

When it comes to high yields on the TSX, the 6-8% bracket is the Holy Grail for income investors. What’s even more rare, though, is a stock that falls into this category while also offering both stability and growth. Sure, a company may reward shareholders handsomely, but if those payments are not well covered, or if a poor track record doesn’t inspire confidence, you’d be making a poor investment if you bought in.

This is not so with Superior Plus (TSX:SPB). Currently rewarding investors with a mouth-watering dividend and having already returned over 30% this year, Superior Plus lives up to its name and is the one stock I would buy right now in the propane space.

A meaty dividend stock to fill up on

Superior Plus knows how to reward its shareholders handsomely, and although its yield has now dipped below the 6% line to 5.4%, it’s still a high-octane buy for a passive-income investor. A must-buy for materials investors seeking a high yield, Superior Plus is well protected against competitors, being the number one Canadian propane distributor with some exposure to the U.S. as well. Add it all up, and you have North America’s third-largest distributor of the fuel.

This sheer size gives Superior Plus two distinct advantages: first, it cuts down overheads, allowing for a decent margin, and second, it repels competitors who are unable to match the distributor on its own turf. There’s also an element of diversification built into this stock, since it pulls in 30% of its profit from a specialized chemical segment focused on two salts used in a variety of industrial processes.

While generally stable and recession-proof, there’s a seasonal boost for Superior Plus. Take a walk through any Canadian residential area, and you’ll doubtless find yourself enveloped in the aroma of a barbeque. This feeds directly into Superior Plus’s top line as Canada’s go-to propane supplier with a roughly 40% market share.

For a returns-focused investor, Superior Plus offers an attractive addition to a dividend portfolio light on materials stocks. With propane making up 70% of its business, this stock is an excellent entrance to a sector, which, though reliant on one material, is extremely diverse. From a cooking fuel to a means of heating, plus an energy source for areas lacking access to gas lines, propane makes for a smart play with exposure to a broad swathe of industries.

As such, it’s surprisingly defensive: a material essential to the country’s infrastructure that sees sales spike in summer thanks to barbeque season and winter thanks to heating, you’re looking at an investment that’s literally all-weather. In short, if you’re looking for a high-yielding dividend payer that’s ready for a recession, this could be it.

The bottom line

Analysts are bullish on Superior Plus, and I believe you should be, too. If you’re in the market for a high-performance materials stock that can reward investors with impressive returns, Superior Plus can not only keep you in sending money, it can also add safety to a portfolio containing an uncomfortable amount of risk.

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Fool contributor Victoria Hetherington has no position in any of the stocks mentioned.

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