I've been banking with these guys for over a year now, and they are just incredible. ING Direct actually gives you a crazy 2.35% annual percentage yield, which is more than 2% higher than the regular banks you have around your house, like Bank of America and Wells Fargo. ING Direct's Savings Account also has no-fees, no-minimums, and usually only take a day to transfer money in and out of your regular bank account! Great way for you to start saving money, and this is definitely worth your time. ING DIRECT ORANGE SAVINGS ACCOUNT

One of the best ways to do your returns is these guys. They make things super easy and offer up a host of services for those of you who have already received your W-2's, 1099's, or whatever else there is. Services start at just $19.95 which is an incredibly great deal considering the convenience and headache you'll be saving yourself. Trust me... avoid the forms and lines this year and get online. STATE AND FEDERAL TAX PREPARATION DEAL

I've been banking with these guys for over a year now, and they are just incredible. ING Direct actually gives you a crazy 2.35% annual percentage yield, which is more than 2% higher than the regular banks you have around your house, like Bank of America and Wells Fargo. ING Direct's Savings Account also has no-fees, no-minimums, and usually only take a day to transfer money in and out of your regular bank account! Great way for you to start saving money, and this is definitely worth your time. ING DIRECT ORANGE SAVINGS ACCOUNT

This Discover Card comes with no annual fee and 5% cash back on gas, along with a full year of 0% APR! They're also giving you till May of this year to transfer any balances to apply to this special promo and the promo starts this month so sign up today! And of course, you gotta like the clear blue color of the card too! This is a great way to get money back on the ridiculous gas prices. All of their other goodies still stand:

• Up to 5% Cashback on Gas Purchases, Up to 10% back when you exchange your total cash award for up to double the amount in certificates or gift cards.
• 1% Cashback on non-gas purchases
• Scheduled Air Travel Accident Insurance
• Secondary Rental Car Collision Coverage
• Apply today and give yourself a reprieve from all that holiday spending! DISCOVER CARD PLATINUM GAS CREDIT CARD

They just raised their rates! There's no reason to NOT set up a savings account with these guys! There are NO fees assessed and NO minimums to open the account, and you keep your current bank! They automatically link it to your current checking account and this all takes less than 5 minutes! You've heard of them if you watch MTV's Real World (so I'm told) and are one of the highest rated banking institutions around. If you're looking for a rock solid place to store and earn interest, sign up here. INGDIRECT ORANGE SAVINGS ACCOUNT

This is the consumer version of their popular business card and they've got a brand NEW promo running where they've bumped the number of bonus miles to 15,000 from the already great 10,000 before. They're also waiving the first year's fee and have increased their benefits so that if you make purchases at supermarkets, drugstores, gas stations, home improvement and hardware stores, or the U.S. Postal Service, you get double the points.... anything outside of those, you STILL get a point for every dollar! If you've already got an American Express card (any of the consumer ones), they'll even drop their annual fee down to just $30 after the first year. This is a GREAT card to get if you know you're traveling this year and want to score some serious points towards wherever you're going. Or if you're going to be making some serious purchases.... Same benefits still apply:

• Buyer's Assurance - Matches and adds 1 additional year to anything you buy of the original manufacturer's warranty!
• Online Fraud Protection Guarantee
• Purchase Protection Plan - Protects your purchase against accidental damage and theft for up to 90 days!
• Car Rental Loss and Damage Insurance
• Travel Accident Insurance
• And a host of others. Sign up today! AMERICAN EXPRESS GOLD DELTA SKYMILES CARD PROMO

The process is quick and easy and the new interest rate can't be beat compared to your local banks and the reputable online institutions. You don't need to change banks, everything's done online in a matter of minutes, accounts can be viewed online any time during the day.... and should you require, they've got a real life person that'll answer your call (not put you on hold for hours like your local bank) and address any questions you may have about your savings account. Start saving up every month and start building up that nest egg today! INGDIRECT ORANGE SAVINGS ACCOUNT

I've been banking with these guys for over a year now, and they are just incredible. ING Direct actually gives you a crazy 2.60% annual percentage yield, which is more than 2% higher than the regular banks you have around your house, like Bank of America and Wells Fargo. ING Direct's Savings Account also has no-fees, no-minimums, and usually only take a day to transfer money in and out of your regular bank account! Great way for you to start saving money, and this is definitely worth your time. ING DIRECT ORANGE SAVINGS ACCOUNT

• Update: Here's another hot online bank deal for you guys. Virtual Bank also gives you a crazy 2.60% annual percentage yield! These guys have no minimum requirement too, and you can start an account with just $100. A little bit of their fees and details are different from ING Direct. Click on the following link for more details. VIRTUAL BANK MONEY MARKET SAVINGS ACCOUNT PROMO

This is one of THE best cards (if not the absolute best) on the planet! With some awesome benefits, you get cash back for every dollar you spend with this card, there's no annual fee, a 0% APR, pay over time or pay in full, with built-in Smart Chip with ID Keeper. And with CoolBlueOffers, you receive special bonus offers and savings deals just for using Blue at the participating merchants, such as Gap.com, Origins, Sharper Image, and more!

• Online Fraud Protection Guarantee
• Return Protection for up to 90 days!
• Buyer's Assurance warranty matching plan!
• Purchase Protection Plan for up to 90 days from accidental damage and theft!
• Travel insurance, car rental loss and damage, and even assured reservations are included!
• Sign up today and get yourself hooked up! AMERICAN EXPRESS
• Update: There's another AMEX card available! The Starwood Preferred Guest Credit Card comes with Best Value Guarantee, First Year Fee Free, Fixed 2.9% Fee Free Balance Transfers for 6 Months, and Travel Benefits! Check it out. AMERICAN EXPRESS STARWOOD PREFERRED GUEST CARD

Send money using your credit/debit card and iKobo sends the person receiving the money a Free i-Kard (Visa Debit Card). Then the person receiving the money goes to any Visa Plus ATM to withdraw the cash, or uses it to purchase from any Visa merchant worldwide! Easy as that. IKOBO MONEY TRANSFER DEAL

It's about time to start doing your taxes for 2004! TaxBrain offers the fastest tax refund loans available anywhere and you can have the funds deposited into your bank account in as little as 2 business days! TaxBrain provides Federal, state, and multi-state tax preparation starting at just $19.95, and the clients can receive professional advice and assistance, as well as tax-related financial services. Check it out! TAXBRAIN ONLINE TAX PREPARATION DEAL

Okay,... the've extended it once more so that you AGAIN get additional weeks of free 0.00% balance transfers! They've also extended the date for when you can transfer balances too till July of this year! That means, ANY purchase you make on any of your other cards (non-Discover Card) you can transfer and add to this card until July 2005 with the SAME 0.00% APR. They've extended this offer AGAIN because of the success of this card (and b/c we kept bugging them) so if you haven't applied yet, sign up today. All of their other great goodies still stand:

• Up to 5% Cashback on Gas Purchases, Up to 10% back when you exchange your total cash award for up to double the amount in certificates or gift cards.
• 1% Cashback on non-gas purchases
• Scheduled Air Travel Accident Insurance
• Secondary Rental Car Collision Coverage
• Apply today and give yourself a break!! DISCOVER CARD PLATINUM GAS CREDIT CARD

These guys are an Experian company so you're getting your report straight from the horse's mouth.... so to speak. Check your credit, verify everything, and make sure everything's in order before you start planning out your year! They've got a whole host of tools for you to use ranging from management of your credit report, online reporting, email notifications, to even ONLINE disputing and MORE! FREE EXPERIAN CREDIT REPORT WITH SCORE PROMO

ING Direct just raised their interest rate to a crazy 2.80%! Their savings account also has no-fees, no-minimums, and usually only take a day to transfer money in and out of your regular bank account! Great way for you to start saving money, and this is definitely worth your time. ING DIRECT ORANGE SAVINGS ACCOUNT

• Update: A few of our Gotapex readers have informed us that there's another online bank called Emigrant Direct, who has a even higher 3.25% interest rate. We do not any experience with it though, but click on the following link for more details: EMIGRANT DIRECT DEAL

If you're looking to refinance your home and are even just curious about if you can, then check out the following services that are available to you. Simply fill out the appropriate form and you'll have an answer to what kind of refinance rates, or what kind of loan you qualify for in just a few clicks. There's even one if you're looking to pull a 2nd (or 74th) mortgage on your home. There's no commitment to anything and you get to see what options you have before choosing (if any) of the solutions they offer.

• BAD, LESS THAN PERFECT, OR NO CREDIT HOME REFINANCE APPLICATION
• DEBT CONSOLIDATION LOAN APPLICATION
• HOME EQUITY LOAN (2ND MORTGAGE) APPLICATION

This Discover Card comes with no annual fee and 5% cash back on gas, along with a full year of 0% APR! They're also giving you till May of this year to transfer any balances to apply to this special promo and the promo starts this month so sign up today! And of course, you gotta like the clear blue color of the card too! This is a great way to get money back on the ridiculous gas prices. All of their other goodies still stand:

• Up to 5% Cashback on Gas Purchases, Up to 10% back when you exchange your total cash award for up to double the amount in certificates or gift cards.
• 1% Cashback on non-gas purchases
• Scheduled Air Travel Accident Insurance
• Secondary Rental Car Collision Coverage
• Apply today and give yourself a reprieve from all that holiday spending! DISCOVER CARD PLATINUM GAS CREDIT CARD

This is the consumer version of their popular business card and they've got a brand NEW promo running where they've bumped the number of bonus miles to 15,000 from the already great 10,000 before. They're also waiving the first year's fee and have increased their benefits so that if you make purchases at supermarkets, drugstores, gas stations, home improvement and hardware stores, or the U.S. Postal Service, you get double the points.... anything outside of those, you STILL get a point for every dollar! If you've already got an American Express card (any of the consumer ones), they'll even drop their annual fee down to just $30 after the first year. This is a GREAT card to get if you know you're traveling this year and want to score some serious points towards wherever you're going. Or if you're going to be making some serious purchases.... Same benefits still apply:

• Buyer's Assurance - Matches and adds 1 additional year to anything you buy of the original manufacturer's warranty!
• Online Fraud Protection Guarantee
• Purchase Protection Plan - Protects your purchase against accidental damage and theft for up to 90 days!
• Car Rental Loss and Damage Insurance
• Travel Accident Insurance
• And a host of others. Sign up today! AMERICAN EXPRESS GOLD DELTA SKYMILES CARD PROMO

Whether you're looking to refinance, or if you just want to see where you stand with your current finances, home, mortgage, or debt,... they've got some quick and easy ways for you to find out. Simply fill out the appropriate form and you'll have an answer to what kind of refinance rates, or what kind of loan you qualify for in just a few clicks. There's even one if you're looking to pull a 2nd (or 74th) mortgage on your home. There's no commitment to anything and you get to see what options you have before choosing (if any) of the solutions they offer.

• BAD, LESS THAN PERFECT, OR NO CREDIT HOME REFINANCE APPLICATION
• DEBT CONSOLIDATION LOAN APPLICATION
• HOME EQUITY LOAN (2ND MORTGAGE) APPLICATION

First, there's the best value guaranteed which gives you a piece of mind on any purchase because they'll reimburse you the difference on that purchase if that price drops within 60 days (2 whole months) PER ITEM. Then there's the fee free for the first year promo that they're running so you don't pay any member dues or fees. We can't forget the balance transfer at a nice 2.9% for 6 months which should ease off some of that burden for you to catch your breath. And the travel benefits.... are all hooked up with some of the TOP hotels and resorts (i.e. Westin® Hotels & Resorts, Sheraton® Hotels & Resorts, Four Points® by Sheraton, St. Regis®, Luxury Collection® and MORE!) in the world. Sign up... you'll be glad you did. AMERICAN EXPRESS STARWOOD PREFERRED GUEST CARD

This Discover Card comes with no annual fee and 5% cash back on gas, along with a full year of 0% APR! They're also giving you till May of this year to transfer any balances to apply to this special promo and the promo starts this month so sign up today! And of course, you gotta like the clear blue color of the card too! This is a great way to get money back on the ridiculous gas prices. All of their other goodies still stand:

• Up to 5% Cashback on Gas Purchases, Up to 10% back when you exchange your total cash award for up to double the amount in certificates or gift cards.
• 1% Cashback on non-gas purchases
• Scheduled Air Travel Accident Insurance
• Secondary Rental Car Collision Coverage
• Apply today and give yourself a reprieve from all that holiday spending! DISCOVER CARD PLATINUM GAS CREDIT CARD

This is one of THE best cards (if not the absolute best) on the planet! With some awesome benefits, you get cash back for every dollar you spend with this card, there's no annual fee, a 0% APR, pay over time or pay in full, with built-in Smart Chip with ID Keeper. And with CoolBlueOffers, you receive special bonus offers and savings deals just for using Blue at the participating merchants, such as Gap.com, Origins, Sharper Image, and more!

• Online Fraud Protection Guarantee
• Return Protection for up to 90 days!
• Buyer's Assurance warranty matching plan!
• Purchase Protection Plan for up to 90 days from accidental damage and theft!
• Travel insurance, car rental loss and damage, and even assured reservations are included!
• Sign up today and get yourself hooked up! AMERICAN EXPRESS
• Update: There's another AMEX card available! The Starwood Preferred Guest Credit Card comes with Best Value Guarantee, First Year Fee Free, Fixed 2.9% Fee Free Balance Transfers for 6 Months, and Travel Benefits! Check it out. AMERICAN EXPRESS STARWOOD PREFERRED GUEST CARD

Everyone's saying that they're going to continue raise the rates and that the golden days of low percentages are over. There's no better time to check out what is available to you than now... whether you're looking to refinance, or if you just want to see where you stand with your current finances, home, mortgage, or debt,... they've got some quick and easy ways for you to find out. Simply fill out the quick and easy form and you'll have an answer to what kind of refinance rates, or what kind of loan you qualify for in just a few clicks.

• BAD, LESS THAN PERFECT, OR NO CREDIT HOME REFINANCE APPLICATION
• DEBT CONSOLIDATION LOAN APPLICATION
• HOME EQUITY LOAN (2ND MORTGAGE) APPLICATION

If you've postponed having your balance transferred, this is a great one to consider. If you transfer when you apply (which is fee free), you have a FIXED 3.99% rate for the life of the balance, no matter how long you have it for on this Blue card. Additional purchases are set at 0% for 15 months (compare to the normal 12 months)! You get the same great service that American Express is known for with the same goodies as the Blue Cash.

• Online Fraud Protection Guarantee
• Return Protection, Purchase Protection Plan and Buyer's Assurance
• Dedicated Customer Service with Online Year End Summary
• Car Rental Loss and Damage Insurance
• Blue's Fee-Free Rewards Program
• Get all of these and MORE.... sign up today and transfer those heavy interest debt today. AMERICAN EXPRESS BLUE
• Update: If you prefer not (or don't have) to transfer any balances, you can apply for their Blue Cash which gives you 5% back on all of your purchases with the same benefits listed above. They've also included a 0% APR on your balance transfers for 6 months! Click here to apply for Blue Cash instead. AMERICAN EXPRESS BLUE CASH

This Discover Card comes with no annual fee and 5% cash back on gas, along with a full year of 0% APR! They're also giving you till May of this year to transfer any balances to apply to this special promo and the promo starts this month so sign up today! And of course, you gotta like the clear blue color of the card too! This is a great way to get money back on the ridiculous gas prices. All of their other goodies still stand:

• Up to 5% Cashback on Gas Purchases, Up to 10% back when you exchange your total cash award for up to double the amount in certificates or gift cards.
• 1% Cashback on non-gas purchases
• Scheduled Air Travel Accident Insurance
• Secondary Rental Car Collision Coverage
• Apply today and give yourself a reprieve from all that holiday spending! DISCOVER CARD PLATINUM GAS CREDIT CARD

I've just been told that this particular offer will not last past the end of this month so if you guys are planning on traveling or want a card that gives you some really great online purchase perks, get it soon. This card really shines in that they will match and add 1 additional year to the manufacturer's original warranty. This is fantastic for those of you looking to buy that $10k plasma TV or $8k Canon 1DS MkII. It also automatically protects your purchase against "accidental" damage and/or theft for 3 months... which means if you take your $8k Canon 1DS MkII to Italy and you lose it, get it stolen, or drop it into the wine oak caskets on "accident" - they'll replace it, no questions asked. You get 15,000 miles if you sign up by the end of this month, get the first year's fee waived and double your points for traveling (on top of the 15k you get for this month) if you make purchases at supermarkets, drugstores, gas stations, home improvement and hardware stores, or the U.S. Postal Service. If you've already got an American Express card (any of the consumer ones), they'll even drop their annual fee down to just $30 after the first year. This is a GREAT card to get if you know you're traveling this year and want to score some serious points towards wherever you're going. Or if you're going to be making some serious purchases.... Same benefits still apply:

• Buyer's Assurance - Matches and adds 1 additional year to anything you buy of the original manufacturer's warranty!
• Online Fraud Protection Guarantee
• Purchase Protection Plan - Protects your purchase against accidental damage and theft for up to 90 days!
• Car Rental Loss and Damage Insurance
• Travel Accident Insurance
• And a host of others. Sign up today! AMERICAN EXPRESS GOLD DELTA SKYMILES CARD PROMO

These guys are an Experian company so you're getting your report straight from the horse's mouth.... so to speak. Check your credit, verify everything, and make sure everything's in order before you start planning out your year! They've got a whole host of tools for you to use ranging from management of your credit report, online reporting, email notifications, to even ONLINE disputing and MORE! FREE EXPERIAN CREDIT REPORT WITH SCORE PROMO

This is one of THE best cards (if not the absolute best) on the planet! With some awesome benefits, you get cash back for every dollar you spend with this card, there's no annual fee, a 0% APR, pay over time or pay in full, with built-in Smart Chip with ID Keeper. And with CoolBlueOffers, you receive special bonus offers and savings deals just for using Blue at the participating merchants, such as Gap.com, Origins, Sharper Image, and more!

• Online Fraud Protection Guarantee
• Return Protection for up to 90 days!
• Buyer's Assurance warranty matching plan!
• Purchase Protection Plan for up to 90 days from accidental damage and theft!
• Travel insurance, car rental loss and damage, and even assured reservations are included!
• Sign up today and get yourself hooked up! AMERICAN EXPRESS
• Update: There's another AMEX card available! The Starwood Preferred Guest Credit Card comes with Best Value Guarantee, First Year Fee Free, Fixed 2.9% Fee Free Balance Transfers for 6 Months, and Travel Benefits! Check it out. AMERICAN EXPRESS STARWOOD PREFERRED GUEST CARD

It's been extended for a limited time....so if you guys are planning on traveling or want a card that gives you some really great online purchase perks, get it soon. This card really shines in that they will match and add 1 additional year to the manufacturer's original warranty. This is fantastic for those of you looking to buy that $10k plasma TV or $8k Canon 1DS MkII. It also automatically protects your purchase against "accidental" damage and/or theft for 3 months... which means if you take your $8k Canon 1DS MkII to Italy and you lose it, get it stolen, or drop it into the wine oak caskets on "accident" - they'll replace it, no questions asked. You get 15,000 miles if you sign up by the end of this month, get the first year's fee waived and double your points for traveling (on top of the 15k you get for this month) if you make purchases at supermarkets, drugstores, gas stations, home improvement and hardware stores, or the U.S. Postal Service. If you've already got an American Express card (any of the consumer ones), they'll even drop their annual fee down to just $30 after the first year. This is a GREAT card to get if you know you're traveling this year and want to score some serious points towards wherever you're going. Or if you're going to be making some serious purchases.... Same benefits still apply:

• Buyer's Assurance - Matches and adds 1 additional year to anything you buy of the original manufacturer's warranty!
• Online Fraud Protection Guarantee
• Purchase Protection Plan - Protects your purchase against accidental damage and theft for up to 90 days!
• Car Rental Loss and Damage Insurance
• Travel Accident Insurance
• And a host of others. Sign up today! AMERICAN EXPRESS GOLD DELTA SKYMILES CARD PROMO

A very nice service that they're offering here for anyone who wants to file electronically. It's completely free if you want to answer the questions, find the proper forms, and fill them in.... and to even have it calculate and complete a return! You pay only if you want them to process it via e*file with an extremely reasonable $34.95 (if you file before April 15). There's NO software to download, you can file at your own pace and you can even pay your taxes via credit card if you wish! They've even included free technical support if you run into a snag.... check it out! AMERICAN EXPRESS E-FILE ONLINE TAX PREPARATION PROMO

It's about time to start doing your taxes for 2004! TaxBrain offers the fastest tax refund loans available anywhere and you can have the funds deposited into your bank account in as little as 2 business days! TaxBrain provides Federal, state, and multi-state tax preparation starting at just $19.95, and the clients can receive professional advice and assistance, as well as tax-related financial services. Check it out! TAXBRAIN ONLINE TAX PREPARATION DEAL