The main point that people need to remember that there’s a difference between a savings account, and a high yield savings account. I’m not talking about a money market account. I’m talking about a real high yield savings account that is FDIC insured. So let’s kick off the three places with PNC Bank.

PNC Virtual Wallet
I checked out PNC’s Virtual Wallet about a week ago and I’ve actually signed up with them since. It works very simply in terms of a regular bank account. When you signup for the account you’re presented with three accounts through one interface. First is your "checking". This functions exactly like a normal checking account. Second is your "short term savings" which is kind of like a "I don’t need these right now but I will in a month". I believe this middle account earns 1% interest. Finally there is the last account which is the actual savings account which should be your primary focus.

This last savings account earns 3% interest on any amount up to $25,000. After you pass the $25,000 mark it drops to 1%. I did not notice any restrictions on total money for the middle account, so I’m assuming any excess money you leave in the middle account will continue to earn 1%. It also includes free billpay, a really cool feature called the money bar, and other unique features that most other banks don’t have. This is a great account overall for what I refer to as receive & transition. To learn more about the PNC Virtual Wallet, click here.

FNBO Direct
FNBO Direct is a company run by the F irst N ational B ank of O maha. This is my primary high yield savings account for longterm growth. Advertising (as of right now) a 3.25% APY with free incoming wires (I haven’t noticed a single charge on ANYTHING with this account) this is great for longer term goals such as ones that are a year out. I’ve been using my account here for almost a year and the return based on interest literally stomps a regular bank account into the ground.

I’m not going to lie. Although this is a tough time, when I first signed up for this account it was a 6.00% APY. Boy did I enjoy that. I want to stress this main point however, this is purely a savings account . This is not for checking and/or billpay (although they do have features like billpay). It’s definitely worth checking out.

ING Direct
ING is another one of those known banks but not many people notice that they have a Direct section. Boasting a 2.75% APY (and a 3.20% APY on a checking account for over 100K) I had to put it in the list. The main reason I wanted to put it in the list was the 3.20% APY checking account. This would be great for a transition account for accepting paychecks and the like while deciding where to put it.

Sadly I don’t have an account with ING Direct so I can’t say too more about them, other than they’re highly recommended by a few of my friends. Here’s the link for ING Direct.

Overall
I know this list isn’t exactly huge or exciting, and for a lot of you I bet you didn’t learn a darn thing. However for some of you I hope I was able to help in some way. Also take note this is not a suckers overview and there are no affiliate links in this post at all. So enjoy the information and leave a comment if you wish.

PS – Tweet Tweet @RobertAdler

Personally I judge success the most by the affect of my actions on others. Did I brighten up his day? Was I able to help her out with a problem she was having? Most of my activities I do now a days involve helping people in some way. Most of the time I spend at work usually helps people out in one way or another, but most of the change and outreach I have is achieved at home.

This could be by assisting someone with a PHP script or helping with optimizing a site for SEO. There’s a lot of people that I currently mentor for their beginning journey into Affiliate Marketing. I like to think that I’m helping them change their life, and from what I’ve seen so far – I am. They get excited when they have their first $100 profit day, but I get even more excited. It proves that I can help change the lives of others through not only talking but education.

My definition of successful changes almost weekly now as my life itself begins to change. Money becomes more of a factor on some weeks, and then almost nothing on another. It’s amazing how big or small of a factor it can be dependent on how much of it you have. I often think of the saying: "It’s like air. You don’t realize how much you need it until it’s gone".

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My goal is obviously top 3 for Robert Adler which seems like a good goal to me.

Starting Sunday most of my new business plans will be under way and I’ll get to see whether or not I have what it takes to make some good money. If anyone’s looking for some search engine optimization help, let me know. I’ve got good link building prices and I’m more than willing to assist while I test out this new software.

While I’m giving all of this a try as well, I’m going to start looking into a few jobs. A few companies I’ll be looking at: the National Security Agency (NSA), FBI, AAI (in Hunt Valley), Lockheed Martin, Northrop Grumman, VIPS, and a few others.

Once I have one of those jobs established, then I’ll be able to go on with my day to day focus and hopefully have a more stable life where I don’t have to worry about doing random things at 11 or 12 at night. It’s time that I grow up and start living the life I’ve worked so hard for. It’s time to work on my life goals.

The cell’s always on but one thing I’ve been doing lately has been putting my phone on silent while I sleep (which is about … 2 hours a night – yay).

Right now I’m looking for a good solid job where I can plant my feet, and excel into the field. I’m not looking for a 35-40K starting position. I need enough to actually start on my life, and start saving for the future – a house, my own family (obviously when the time comes), and to achieve my goals of being 100% debt free by age 25 (this includes a house, car, etc) – and I will do it.

Retirement obviously will take time, as the #1 priority is my family and eventually the family that I will start on my own.

As I’m still in my search for “the one”, I won’t actively be looking. However, I will be waiting for God to give me signs and direction when it comes to this. I’ll just focus on having a good time until then, without jepordizing my morals; keeping myself focused on work.

Will follow up more later …