Currently working and you have unexpected expenses or need money till your next paycheck, but you don’t have checking account to get cash advances? You can get an iAdvance Line of Credit when you setup direct deposit on your Prepaid MasterCard Account. To get the iAdvance Line of Credit short-term loans, the steps are:

    1- First of all you have to apply for Prepaid Mastercard account with Checking Account alternative. This prepaid Mastercard has no overdraft or activation fees. No credit checks and bad credit OK for approval.

   2- Once you have your Prepaid Mastercard live, get your Direct Deposit up and going on your Prepaid Mastercard.

   3- Enroll online for iAdvance line of credit service.

   4- Apply to access your short-term loan money whenever you need it.

To learn more or apply Prepaid Mastercard with Line of Credit - Visit Offer Page

Prepaid Mastercard with checking account alternative offer is a good one for people with bad credit that can not get credit cards and open checking accounts. This card comes with Free Direct Deposit, which means no more check cashing fees.  No Overdraft Fees or Activaton Fees. You can also pay your bills online with this Prepaid Mastercard account, that will save you some money on money orders.

Some of other features of this Prepaid Mastercard are; No ChexSystems or Credit Check, Instant Guaranteed Approval, Building Credit history by paying bills wth this card, and with iAdvance Line of Credit you can get some loans.  To learn more or to apply for this card click here.

Some people out there are directionally challenged. Now, I for one have nothing bad to say about these people (as I include myself in that group), but keep in mind this is a very fixable problem. The Garmin Nuvi 650 GPS Navigator is a high quality (low price) GPS system that will turn your orientation skills into pro form. Featuring an easy to read touch screen 3.8” x 2.25” display, the Garmin Nuvi has built in maps, uses voice prompts for directions and street names, 3D map display, the option to avoid traffic patterns, and will last up to 7 hours per charge. The 650 GPS version is a great navigation system because it is not limited to staying inside your vehicle. With features like the coin/currency converter, mp3 capable, Audio book player, and picture viewer, the Garmin also makes for a great travel companion. MWave.com is currently keeping the Garmin Nuvi 650 GPS on sale for the next few days, making it prime time to buy for you, or for a family member.

In another move by Federal Regulators, an arrangement has been made for CitiGroup to Acquire Wachovia Banking for an estimated $2.1 Billion dollars. In doing so, CitiGroup now has 4,300 U.S branches and $600 billion in total assets. This also means that CitiGroup has assumed the $53 Billion dollars worth of debt of Wachovia was responsible for and $42 Billion worth of losses from their loan portfolio. As a huge acquisition, CitiGroup is now considered to be one of the biggest and most stable financial institutions next to JP Morgan and Bank of America Corp, and is the overall leader in total assets with $2.91 trillion. Thanks to an unstable market and delinquencies mortgage payments, this has been a huge week of loses as the Federal Government also seized Washington Mutual, which was then sold to JP Morgan for a ridiculously cheap $1.9 billion dollars. Now CityGroup needs to concentrate on slashing its quarterly dividends and sell off $10 billion in common stock in order to cut its loses from the recent buy out.

Washington Mutual Inc. just closed its doors and was sold to JP Morgan Chase & Co. for $1.9 billion dollars. This move was actually pushed forward by the government, as the Federal Office of Thrift Supervision came to the understanding that “WaMu” did not have the liquidity of assets needed to maintain safe and sound business transactions. This is considered to be the largest failure of a U.S bank since the fall of the Continental Illinois National Bank & Trust in 1984. As a result of the buy out, JP Morgan Chase & Co. has now become the second largest bank in the nation as they now have $2.04 trillion dollars in assets, and 5,410 branches spanning 23 states coast to coast. They have also been noted now to have the largest credit card business in the U.S. Keep in mind this is not the only company JP Morgan was able to acquire during the unsettling economic times. Only four months ago, they also bought out Bear Sterns Cos at what could be considered a “fire-sale” price and what has also helped JP become the second largest back in the America today.

Economic affairs are changing globally every minute of everyday. The only way to understand the many facets of our own (and the global) market is getting a Fortune Discount Magazine Subscription. Fortune Magazine is designed specifically to engage a reader in various aspects of new technology, international and global affairs, business practices, as well as you’re your own personal economic success. The in depth articles feature interviews and questionnaires with the movers and shakers of top businesses and law firms, who help to provide insight on growing economic trends and down slopes in a multitude of markets. Fortune also pinpoints career trends, politics, overseas businesses, as well as of course, the Fortune 500. This is a great magazine for people who are interested in understanding how money can work for them, as opposed to having to work overly hard for your money. A one-year 26 issue Fortune Magazine Subscription (through Amazon) is currently being sold for 77% off the current cover price! A great move for people who want to become economically savvy.

I don’t know about you but I am tired of putting my money into a regular savings account, only to watch accumulate the bare minimum amount of interest. What is the point of saving money if it is not going to work for you? Putting your funds into an ING Direct account is a perfectly safe and secure way of getting a great interest rate with no fees or minimums required. You don’t even need to change your bank! All it takes is 5 minutes to fill out the online application and your Orange Savings Account is yours ING is able to give you a better rate of interest because of their banking services are electronic. That means no lines at a local branch, 24 access to your account information, and secured access for only the account holder. Money magazine is quoted saying that the Orange Savings Account through ING Direct is “….The best money market account in the country”, which is saying a lot considering where our current market is at. If you are interested in hassle free banking at an interested rate above the rest, check out what ING Direct has to offer you.

For those who are looking for a bit of real insight into the business and financial arena, there is no better coverage then reading The Wall Street Journal. Offered as a year-long online, print, or combo, this subscription will enable you to understand the latest and most topical information on our market and the overall economy. More importantly, the Journal will be able to show how changes in big businesses and the market will affect you as an individual, and as an investor. Instead of walking over to the local newspaper stand or kiosk, ordering a subscription to The Wall Street Journal will automatically earn you a savings of about 75% off the cover price, and will give you access to editions online (as most people have some form of internet connection), and publications in print form for all of your early morning commutes. If/when you get tired of reading about the S&P, the Wall St. Journal will also give you political insights, global corporate affairs, as well as topical info on food and wine, sports, book and music reviews, and much more.  

Credit cards are in important part of building financial responsibility and the necessary credit needed for future large purchases such as cars and homes. However now more than ever there are so many types of cards to apply for, how do you know which is right for you? Regardless if you are a person new to the credit scene, or are a veteran of “using plastic”, The Discover Card is a great tool when going for a purchase. Discover offers unlimited cash rewards as well as 0% interest on any purchase for up to the first 6 months! They even offer multiple cash back awards when using the card at familiar restaurants, department stores, gas companies, as well as for groceries, home improvements and many more necessary things. The Discover Card will also give you complete fraud protection with included early warning alerts as well as secure online account numbers. For the kids headed to school, you are able to apply for the Discover Student Credit Card, while others may better enjoy the benefits of the Discover Miles Card for travel, or the Discover Motiva for on time pay benefits. Discover Financial Services has offers many options to fit the growing needs of various age groups, incomes, and lifestyles.

In many cases, students will be attending Colleges and Universities for the first time while living in a dorm room with a complete stranger. While some are O.K with this idea, I personally have some trust issues when surrounded with many people I do not know, especially in a small dorm environment. In order to keep private and valuable possessions safe, I recommend purchasing a Sentry Safe Fire Safe Waterproof Security Chest. Highly durable and compact (perfect for dorm room sizes), this key safe lock box is proven effective in fires with a UL rating of up to 1 hour and will prevent any moisture from damaging important documentation. The safe includes a tubular lock key which will remove any thoughts of tampering, and is over 40lbs. in weight to guarantee no one will walk off with it without notice. The interior is roughly 13(w) x 9.5(D) x 7.5(h) so you know the Sentry will be able to fit a variety of documents, valuables, and other personal belongings. Overall a Sentry Safe Security Chest is a great idea for any student wishing to keep their belongings/valuables under constant supervision.