I have to admit, this read on WickedFire about Gary Thiem is quite hilarious.. Apparently he wouldn’t stop calling one of their members and trying to offer him a car loan. Are you serious? You’re trying to get a car loan to people that run leads to auto offers (most likely also car loans). Geez. Looks like WF > * again. Next time make sure I guess it’s not a WickedFire member you’re messing with? Today, I definitely saw the power.

Gary Thiem

HAHAHAHA @ Gary Thiem

PS – Are you Gary Thiem? Leave a comment if you want this post removed.

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Since I’ve been fortunate enough to actually have my side income go up almost 100 fold in the last 30 days, I’ve found myself looking for another way to save it properly. Yes, it would be a lot easier to just go and buy a brand new 50" LCD with the money among other things, but I’m trying to actually save for more longterm goals and put a big down payment on a house. So with great pleasure, I give you 3 places to recycle money smart during a recession.

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

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I often ask myself this question. How exactly would you define "successful"? Is it by the amount of money you make? Is it by how happy you are? What about how many other people’s lives you can change? Maybe it’s all three.

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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Every single person I hear tell me that they NEED Obama to be in office so they can "get their life back", etc – pisses me off. If you’re having financial problems right now – you need to recognize that it’s not the government’s job to save you. You need to step it up and pull your own weight. Stop trying to get stupid handouts.

Do you think I’m being harsh? Aggressive? Overstepping my bounds? Get a clue people – how is it that my income has literally tripled since the stock market crash among other things? I’ll give you a hint – multiple streams of income. I don’t rely just on my 9 to 5 job to bring me my money. I’m a businessman every minute of every hour, day in and day out. One of your friends need some money? Lend it to them – down the road they may give you back 3x what you gave them!

Learn how to make some side income. If you have extra time at home and a VoIP line or extra minutes on your cell phone, apply over at LiveOps.com to be an "at home call center operator". You set your own hours. The extra money could take care of your cell bill, car bill, whatever you want – it all depends on how much effort you want to put into it.

The money is there. The money is able to be earned by you for your hard work. STOP WASTING YOUR DAMN TIME MAKING A QUARTER OF WHAT YOU’RE WORTH! I’m tired of it!

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