69 Ways to Feel Good About Keeping More Money in Your Wallet http://multipleeggbaskets.blogspot.com

Have you ever agreed to go on a coffee run with a friend or co-worker, ordered your black coffee, and then grabbed rabbit ears? I’m talking about pulling out no nickels, no dimes, no quarters -- nothing!

Well if you’re in dire need of re-balancing your debits and credits to favour in your direction then I highly recommend that you review my 69 Ways to Feel Good About Keeping More Money in Your Wallet.

1. Customer Loyalty: Join and participate in only a select few customer loyalty programs. If you constantly shop amongst several stores for common products then you’ll never acquire the benefits of the customer loyalty programs. I personally shop at one drug store for my food staples whenever they have a 20x times the points event. I then accumulate the points for free products at a future date.
2. Reduce your number of credit cards: I have 2 credit cards. One is a CIBC Aerogold Visa and the other is a Scotiabank Cash Back Rewards credit card.
3. Combine banking services: In order to reduce external ATM fees, I primarily work with CIBC and President’s Choice Banking. They offer interchangeable services which help me to avoid unncessary service fees.
4. Keep a minimum balance: If at all possible then make an effort to stay within the minimum banking balance requirement in order to avoid additional account fees each month.

....more coming soon

Tipping and personal finance

So I decided to go have some lunch at a fantastic restaurant with my significant other. The best part of eating with her, besides the wonderful conversation, is the ability to sample off of her plate. That way I can try two menu items for the price of one.

Also, in order to pay with visa the waitress brought over a portable debit machine. This model didn't provide the option to tip by percentage. I aint da dumbest guy but sometimes I'm mentally lazy during my cherished friday lunch and don't care if it adds up to 15 percent or not.

The moral of the story is if ya want yer 15 tip restaurants then make it simple and give the percentage option for the portable debit machines!
Sent wirelessly from my BlackBerry device on the Bell network.
Envoyé sans fil par mon terminal mobile BlackBerry sur le réseau de Bell.

Cheque check scan and deposit at wachovia bank?

I was watching a tv show about stock picks the other day and a new commercial was on tv. It showed a loving couple sitting on their bed and taking images of a cheque from uncle bob. They used their smartphone to upload an image of the front and back of the cheque and then sent it to their bank, which I believe was wachovia bank in the united states. Pretty crazy stuff since they can now accpet cheques any time of day and from anywhere. I'd love to see their IT plans on maintaining security and reducing cheque fraud.
Sent wirelessly from my BlackBerry device on the Bell network.
Envoyé sans fil par mon terminal mobile BlackBerry sur le réseau de Bell.