Bank Of America ("Defenders" Cash Maximizer)

Are you tired of your saving account of 0.20% APY or money market of 0.35% APY. Although I like Fidelity's FSLXX (5.20%), Bank of America has a hidden cash maximizer (5.36% up to 5.73% APY, $2.5K minimum) called "Defenders of Wildlife" worth mentioning. Keep in mind that you have to sign up online to get that high rate, provided that you love wildlife and bank of america =).



Defenders of Wildlife Link
It's hidden under Savings Catagory, click on more savings option, (Option "2")

My Rent And My Family

As much as I hate to rent this high, I'm still settled at my current place. But considering 3 people living in the 1-bedroom, I guess it is not a bad deal after all. My rent is at the edge of the rentometer. Try it yourself.

http://www.rentometer.com/

Free Credit Report

There are three reports at annualcreditreport.com. They are Equifax, TransUnion and Experian. For some reason, I can't get Experian online. Keep in mind that they are just reports not scores unless you pay $7 or so. Citibank likes to do hard pull whenever I sign up for their account. I think I got 5 hits from them recently. Oh well. Sometimes I see weird stuff on my report. For example I saw Bally Fitness which I never signed up for. Luckily the account was closed in the same month.

Citi MTV Credit Card

I own it. I believe Citi MTV Credit Card is the best card in Citi cards line up. If you do not have a citi card, I recommend you should. Citi offers virtual credit card number which allow free card number protection.

This is a student Visa card.

I believe you can get $40 free cash from cardoffer.com

Here is some details about the card.

The Citi mtvU card is part of ThankYou Network, the free rewards program that let's you earn points for doing things you already do. Check out how you can easily earn ThankYou Points just for living the student life.

Earn ThankYou Points for:

* Studying hard--earn 250-2000 points per semester for maintaining a good GPA
* Paying your bill on time and not exceeding your credit limit--25 points per month
* Buying food at restaurants, including fast food --five points per dollar you spend
* Using your credit card at places you already go--five points per dollar spent at bookstores, music stores, video stores and movie theaters
* Making other purchases--one point for every dollar you spend

A Beautiful Day

I've decided to make myusc.com a personal page. I hope it will be fun.