Forum Highlights: FICO Score, CapOne Bonus and CD Alternatives
I plan to regularly highlight a few of the forum posts. This is intended to help readers who may not regularly read the discussion forum. It will also give me a chance to recognize and give thanks to the DA members for their contributions to the website. I've listed a few recent forum posts on topics that I think may interest DA readers. If you don't see your username mentioned this time, keep posting and you will likely see your posts mentioned in future forum highlights posts.
- Simple Reminders To Raise FICO Score - DA member 51hh posted a link to a Boston.com article and some tips to consider when you're thinking about new credit card offers or a new HELOC.
- $300 Capital One Business Checking Bonus - I posted on Capital One's latest $300 business checking account bonus. Capital One has long offered this promotion, and it has often been targeted.
- New Types of Internet Banks - Unfortunately, these new companies are focusing on fancy internet and mobile features rather than interest rates. I reviewed GoBank on Tuesday and Simple.com on Sunday.
- DA mentioned on WSJ! - WSJ article includes some quotes from me. I posted a couple of excerpts from the article which provided some insights into rate cuts and account restrictions at internet banks.
- Belvoir FCU CUXcel Checking Changes - Belvoir FCU has one of the better reward checking accounts with a 3.25% APY for balances up to $15K. Unfortunately, the requirements are getting a little tougher. Thanks to DA member BillGates for posting on the news he received from the credit union.
- With CD Rates This Low, Take On Some Risk In 2013 - If you're thinking about taking some risks to get higher yields, DA member Shorebreak posted excerpts and a link to an article that offers some suggestions.
- Social Security Is Already Means-Tested - DA member pearlbrown posted excerpts and a link to an interesting Scott Burns' column that shows how much social security is already means-tested.
- Java Security Issues Increase Risks of Being Hacked - You may want to disable Java on your browser. DA member pearlbrown posted on the warning issued by the government, and DA member Shorebreak posted on an update on this security risk. There has been a fix, but security experts say the bug still remains.
- 1-Year CD Rates Vs. 5-Year CD Rates - DA member ChrisCD posted a link to his study which compares a 1-year and 5-year CD ladder over the last 13 years.
Discussion Forum Tutorial
If you like a simple blog format, you can view the forum using this link. This page shows the latest featured threads in an expanded format that shows the first post of each featured thread. Click on the title of the post to view any comments for that post or to leave a comment. Unlike the blog, the forum requires you to log in before you can comment.
You can get to this Featured Threads page by using the forum menu and clicking on the "Featured Threads" link. Then click on the "Posts" link below the menu. I actually prefer the "Threads" view which shows just the title of the posts along with the number of comments or posts for each thread.
I'm the one who gives a thread "featured" status. I try to select those that I think are most interesting. The "Latest Threads" link in the forum menu will show you all of the threads including ones that haven't been marked as featured. The "Latest Posts" link will show you the latest forum comments.
Posting to the Forum
If you find a noteworthy bank deal or some interesting financial news, please consider posting this information in the forum. This can be done in 3 steps:
- You have to be logged in to post in the forum. If you have never registered, just click the "Register" link on the top right of a DepositAccounts.com page. Note, you don't have to be logged in before you write your post, but it's required before the post can be submitted.
- Find the appropriate subforum. Start at the top of the forum and click on the appropriate topic.
- Click the "New Threads" button at the top of the subforum page, and follow the instructions. For the subforums that are specific to a particular bank, you first have to identify the bank. When you get to the message box, you can start typing your information. Note the icons at the top of the message box. These can be used to format your message. The one I use most is the link icon. This isn't active until you highlight the text that you want to convert into a link. Once the link icon is active, you can click on the icon which will open up a box where you can enter the web address.
Viewing and posting are more complicated in the forum than in the blog, but as I mentioned, this helps keep things organized. For more details on using the forum, please refer to my forum announcement post.