Who doesn’t love the web? The web now grants us specials on savings accounts as well. All major banks have special interest rates on account that are web based. Key factors that should be looked at for Online Savings Accounts are Website reliability/security and customer support. Listed below are rates as of December 18, 2008.

• FNBO Direct. No fees, no minimum balance. 3.25% APY.
• E*TRADE Bank. No fees, no minimum balance. 3.01% APY.
• ING Direct. No fees, no minimum balance. Orange Savings Account 2.75% APY. Electric Orange 3.05% APY. Orange CDs – 12-month CDs 3.50% APY.
  Note: ING Direct offers a $25 bonus to new customers who deposit $250 or more. Once you have an account you can earn $500 by referring other customers.
• HSBC Direct. No fees, no minimum balance. 3.00% APY.
• CitiBank Ultimate Savings. No fees, no minimum balance. 2.75% APY.

Popularity: unranked [?]

In this interview with Vanguard Eric Tyson, one of my favorite investment companies, Tyson states that most time people are there own worst enemies because they overspend and run themselves into debt.

The number one problem is overspending. Some Americans, frankly, are not savvy consumers. They lack the discipline to live within-or below-their means. They live in the moment, pursuing instant gratification instead of doing what’s in their long-term interest. They abuse credit cards, buy stocks without doing research, and generally have little or no idea how much they should be saving toward future goals.This isn’t especially surprising. We’re all bombarded by advertising 24-7, and it’s difficult to insulate yourself from the pressure to drive the “right” car, live in the “right” neighborhood, own the “right” stock, and so forth. Americans need to learn that giving in to that kind of pressure can have serious consequences to their financial well-being.

It is as simple as that. Easier said then done as well because it takes amazing will power to hold back on spending and to treat yourself or those that you love. So in the retrospect, try to maximize as much as you can the amount of money that you do not spend and constantly try to beat that amount. Then simply invest until your early retirement comes around.

Popularity: 75% [?]

MSNBC ran an article on the top 10 tips to walking out of garage sales as the big winnner and thus huge money saving tips on the following:

1. Map out your route.
2. Know the drill.
3. Strategize about when and how to shop.
4. Remember, you’re after bargains.
5. Haggling can be good for you.
6. Take all sorts of items on a test drive.
7. Expect great deals on clothes.
8. Know when to say no.
9. Care for potential purchases.
10. See the big picture.

Those tips are great and maybe you can reveal some top tips of your very own.

Popularity: 62% [?]