ING Direct Offer and DFA Link Rally Changes

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I’m happy to be back on track with my writing here at DFA, I do enjoy it.

Today I will pass on news of an offer from Capital One 360 worth mentioning, announce some changes concerning the DFA Link Rallies, and close by passing on some links worth checking out.

Capital One 360 debit card cash back offer from Capital One 360

Beginning October 1st, 2010 and continuing through November 30th, 2010 Capital One 360 is offering 1% cash back on Capital One 360 card debit purchases of $50 or less.  Considering I am adamantly opposed to credit card rewards and in strong support of cash envelopes, my benefit from this offer will be minimal, but I’m sure someone will find it valuable.  These rewards can be useful but most people end up spending more when using a card, so tread lightly.

There is no registration needed and your rebate will be placed into your account by the 15th of the next month.

If you do not have an Capital One 360 account, I highly recommend them.  You can open a savings, a checking, or both – like me.

Changes to the DFA Link Rallies:

I am axing the idea of linking to other personal finance articles as a courtesy, and choosing instead to focus on providing valuable links.  Not because past links were invaluable; more because I sometimes linked to articles without actually reading them and am looking to get away from that.  Going forward I will focus less on promoting articles for “link juice” and more on valuable content.  Perhaps I should have always had this focus in the past, but there were definitely times I did not, and for that I apologize – because if I were reading, that would annoy me.

I will continue to promote good products – especially those created by colleagues, like their own book, ebook, video series, etc.

Link rally for this week

I’m happy to bring you two links from Craig at  The first is a link to his ebook covering how to budget, and the other to a 3 part series covering how beginners can make money online, both of which are solid topics which Craig does a solid job expounding.

The next links are to a few articles from Trent at about homemade gift ideas.  With the holidays fast approaching Trent is doing a whole series on the subject, and so far I have enjoyed both quite a bit.  The first walks you through how to make homemade vanilla extract and the other is a thorough and encouraging tutorial for how to make homemade bar soap.  Sometime before Christmas I hope to cover both these topics on

Don’t forget that Baker at released a new ebook detailing how to sell your crap to declutter and make money.

I finally subscribed to Ramit’s blog where I enjoyed this time management article which led me to one of the better blogs I’ve stumbled across in some time… where Cal Newport explores strategies for living a remarkable life.  Read his Study Hacks primer to get started, and enjoy.

Chris Guillebeau of The Art of Non-Conformity made me do something I’ve never done before… buy an ebook, and it wasn’t a low priced purchase, which proves the brilliance of Chris’s work and marketing.  The book he sold me on was The Unconventional Guide to Working for Yourself which focuses on a creation of several to many small sources of income (an idea I also believe in and love) rather than putting all your eggs in the basket of a one income career.  PS… it is well worth the money.

What are your thoughts?

If you made it this far down in the article, be sure to leave a comment with your thoughts on the updated purpose of the link rally.


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1 Alan R. Whitt

Hey Matt,

Been following you for 6 months now. Seems your back on track with a flurry of great links and tweetin your rear end off. Keep it up.

2 Craig Ford

I was sure that my link wouldn’t be included when you decided to go for quality links, but I’m glad that you decided that there was some good content in my articles!
Thanks for including me.

3 Matt Jabs

Your stuff is great Craig, keep it up and I will never have a problem promoting your work. My confidence in you is even stronger since I know you are being coached through life by the Holy Ghost. 🙂

4 H Lee D

Thank you for opting for quality.

5 JuryDuty

Can you tell me a little bit more about the ING accounts? Here’s what I’m wondering:
1. I read in another post of yours how the savings accounts work. But how do you spend the money in an accounts once you’re done saving? Do you move it to a checking account? Or do they give you a card?
2. How do you make a paper deposit? Do they give you envelopes?
3. With their checking account, do they refund atm fees?

6 Matt Jabs

To spend the money in one of the savings accounts, I just do an instant transfer to my checking, and use my debit card.
For deposits I use a local credit union as a clearing house account. I deposit there, then do a transfer from there to ING (the CU account is linked to the ING accounts and vice versa.)
ATM fees are not a problem for 2 reasons. 1. I only use the ATM once/month to withdraw our cash envelope money. 2. ING uses Allpoint, who has a huge network of no fee ATM’s nationwide.
My advice is to start with a savings account to try it out, then graduate to a checking account after you’re sure it’s for you… you won’t regret it, no one I know has yet.

7 JuryDuty


Have you tried SmartyPig? I was actually thinking of starting some savings accounts with them before I happened upon ING, too. I’d love to see a pros-and-cons comparison between the two.

8 Matt Jabs

Yeah I also use SmartyPig. The rates are better, but there no banking features (automatic savings plan, connect account to accounts at other banks, etc) like at ING. If rates alone are what you’re after, go with SmartyPig… but if you need more, go with ING.

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