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- 12 Easy to Find Gifts Not Affected by Supply Chain Woes
- The 7 Best Job Search Sites for Meeting the Most Qualified Job Seekers
- 6 Best Hiring Platforms for Small Business Employers
- CareerBuilder vs Indeed: Which Site Helps You Find Job Seekers More Efficiently?
- Dear Penny: Can My Evil Ex-Husband of 38 Years Buy Life Insurance on Me?
- How to Find Out Your 2022 Social Security Increase Early
- 22 Best Bank Promotions, Bonuses and Offers - December 2021
| 12 Easy to Find Gifts Not Affected by Supply Chain Woes Posted: 01 Dec 2021 09:00 AM PST Quick Navigation If you've recently tried to buy anything electronic (including a new or used car), then you've probably noticed one thing — it's next to impossible. The current supply chain issues have been especially problematic for anyone attempting to buy products containing microchips, of which there happens to be a major shortage. "This holiday season, the most popular electronics seem to be the most likely items impacted by the supply chain," says Jeff Zhou, cofounder of Fig Loans. "This includes the new consoles, like the PS5, Xbox Series X and the Nintendo Switch OLED. Similarly, many graphics cards like the NVIDIA 3080 and 3090 are in short supply, sending prices and demand for these items skyrocketing." But electronics aren't the only things missing from the market this year. A lot of foreign-made products are also experiencing issues. "Generally speaking, apparel and goods made in the USA are experiencing fewer supply chain issues than ones made abroad," says Zhou. "That's because the biggest impact on the supply chain currently is the continued trouble moving items in and out of major ports. Products made stateside aren't having these issues, which means you're likely to get them faster." Easy to Find Gifts In Plentiful SupplySo although Santa used to pack tablets and smartphones under the tree with care — he and you both are going to have to get a little more creative this year. Here's a list of 12 headache-free gift ideas that you can buy now for the people on your list. We've given you some specific brands but there are other versions of these easy to find gifts in your local stores. Matching PJsUp your Christmas-morning game by shopping the collection of uber-soft flannel pajamas from Vermont Flannel Co. Opt for matching ones with the whole family, or just for you and your bestie. Besides PJs, Vermont Flannel Co. also has great-quality flannel shirts and this nifty DIY Quilt Kit. Pendleton BlanketMake the winter nights a little cozier for your favorite person by getting them one of these iconic throw blankets from Pendleton. American-made, these blankets are the perfect way to dress up an old couch, remake a bedroom, or even just curl up around the fire. Green ToysIf you don't want to worry about your kiddo's gifts arriving on-time this year, then you might just want to shop the selection at Green Toys. Based in California, this company isn't just busting out cool toys that are battery-free. They're also on a mission to make a meaningful impact on the environment. So far, the company has recycled plastic from over 100 million milk jugs and counting. Homemade Dog ToysDon't forget about your favorite pooch this season. Shop some of the cutest dog toys on the internet with this collection of US-based Etsy makers. From fake doggy spritzers to antler chews, this list has something for every four-legged cutie on your list.  A Smart BlenderFor the nutrition freak in your life, check out these smart blenders from Vitamix. Unlike many other appliance makers, Vitamix doesn't seem to be experiencing supply chain issues (being American-made probably helps). So go ahead and put at least one "smart" thing under your tree this year, even if it's just a really good blender. The super blenders range from about $400 to $525 but you can cut hundreds from the bill with a $99 Ninja combo blender and food processor. If it's a smoothie maker on their list, check out the $70 Ninja pro blender with powerful ice-crushing capabilities. Pizza OvenFor the pizza-fiends in your life, give them the gift of "a reason to fire up the grill" with this pizza oven grill-insert from Kettle Pizza. Forget brick-oven pizza, this season's pizza parties are being served hot off the ol' grill. Wine & SpiritsLest you've forgotten how great it is to receive a bottle of your favorite wine or liquor, let us remind you. Fancy wine and spirits make some of the best gifts out there. Shop your local liquor store for a nice bottle to gift your favorite wine snob. A bottle — or case — of wine might be the best present you'll give this year. Check our list of the best red wines under $12. Local Arts & CraftsSupport your local crafters, artists and jewelers this holiday season by shopping at the holiday markets and events happening near you. Check your newspaper and online community events pages to find a local fair and get something unique for everyone on your list. Subscription BoxesLooking for an easy present that lets your special someone try something new? Then you might just want to try giving them a subscription box. Some of our favorites include The Wordy Traveler, Brother Vellies, Ship Sunshine and Undiscovered Artisan. Gift CardsBoring? Maybe, but gift cards are still one of the best presents to give someone who already has everything. Give them a gift card to their favorite techy store (so they can finally place an order for that new phone when it's back in stock) or just go classic with a gift card to their favorite restaurant. Knick KnacksIf you're not sure what to buy for someone on your list, take a minute to browse the selection at Uncommon Goods. If Target and World Market had a baby, it would probably be this store. But unlike some of those other big-box stores, these gifts are all made right here in the USA, and completely unaffected by the supply chain. A special Christmas tree ornament is always a nice gift. Something to ReadSubscriptions to magazines (remember those?) can be had for as little as $10 a year. Topics range from cooking to automotive to fashion to travel and beyond. Smithsonian magazine is the official journal of the Smithsonian Institution in Washington, D.C., and 12 issues are just $12. The GIFT subscription comes with a Smithsonian membership. Look for a book idea on NPR's top books of 2021. There are more than 360 categorized by topics. Looking for even more holiday gift ideas? You might just check out your local dollar stores (seriously). Contributor Larissa Runkle frequently writes on finance, real estate, and lifestyle topics for The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| The 7 Best Job Search Sites for Meeting the Most Qualified Job Seekers Posted: 01 Dec 2021 07:39 AM PST Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. Location, location, location — it's vital in the real estate industry, and it's just as critical in recruitment. Where you post a job opening determines who sees that job ad — and it also dictates how you're allowed to interact with candidates and what you can learn about them. The best job search websites for your organization's needs might not be the biggest, the most popular or even the most niche. We've rounded up seven of the best job search sites to help you understand how they compare, along with how well they're positioned to meet your hiring needs. The 7 Best Job Search SitesZipRecruiterSome job search websites are so big, job openings have to be reposted over and over again to attract even a little attention. ZipRecruiter has solved this problem with artificial intelligence, which helps job seekers find your job posting and shows you where you should be focusing your recruiting efforts. With ZipRecruiter, you can post jobs to multiple job boards — over 100 of them. The job site's AI can help with sourcing candidates from various boards, making life easier for recruiters and hiring managers to put together a shortlist. ZipRecruiter's AI animates chatbots that can interact with job seekers on behalf of your company to streamline the screening process. Plus, the AI can send out job alerts to pique interest in job listings. The AI's Sponsored Reach solution can also seek out and bring in job candidates by analyzing their qualifications, job title, keywords they've searched, the types of jobs they've previously applied for and more. It'll advertise your job listings on the sites relevant candidates already frequent and trust. Don't want the AI to get all the credit? You can seek out candidates on your own by browsing the site's massive resume database, which sees about 380,000 resumes freshly added each month. Want to stand out from all the other employers on ZipRecruiter? The site's Featured Employer program can enhance your visibility by featuring you strategically on its job boards and in its hiring events. ProsYou can post your job listings to over 100 job boards at once, though the site's AI can help you determine which ones you should focus on. Unlike other job search websites, ZipRecruiter's resume search subscriptions offer unlimited searches. ConsAs incredibly impactful as its AI tools are, you'll have to pay a little extra if you want to take advantage of them. So you don't have to ease off the gas as you near a monthly limit on searches. MonsterMany job search websites will provide you with the tools needed to post jobs, along with supporting documentation to teach you how to use them. Yet, recruiters and hiring managers often struggle with coming up with attractive job descriptions. One of Monster's biggest strengths is its massive cache of job description templates. You can choose from over 2,000 templates to draw from or adapt to describe your company's job listings or even help you pin down a suitable job title for a new position. Monster also has a native applicant tracking system to help you manage the traction your job ads may get. However, the site offers no support for third-party tracking systems, which could be more than a minor headache if your company already has a relationship with an ATS vendor. Along with tracking solutions, Monster has screening tools and a searchable resume database. However, some of Monster's screening solutions are outsourced, so you'll have to pay a third party if you want to deploy them during your recruitment campaign. Another important consideration about Monster is its site's traffic volume. The monthly number of visitors to the job board doesn't even come near the slow months of some of the heavyweights like ZipRecruiter and Indeed. ProsYou'll have access to over 2,000 job description templates to post your job openings faster, and you don't have to look elsewhere for an applicant tracking system. ConsIt's not the biggest job board around, plus there's no support for third-party tracking systems and the outsourced screening solutions could be considered a negative for some employers. CareerBuilderIf you'd like to search out candidates as much as you'd like to attract them, then CareerBuilder's resume database may be its biggest draw. Its resume search tools let you browse a collection of resumes and social profiles shared with the site. While sites like ZipRecruiter allow unlimited resume search, CareerBuilder caps monthly searches inside subscription tiers. The site's monthly traffic and hiring tools compare more favorably with a site like Monster, than to bigger employment sites like ZipRecruiter and LinkedIn. Like Monster, CareerBuilder offers a third-party screening service you can add to a subscription to help vet and qualify candidates for you. It also includes a native applicant tracking system, along with support for integrating third-party solutions. ProsYou'll find all of the core hiring features you need, though you may have to pay for add-ons like its outsourced candidate screening program. ConsWhile it's one of the more popular job websites, its monthly visitor numbers are among the lowest for the upper crust of job search sites. You'll need a subscription to search its resume database, and you can only view a certain number of them per month. IndeedIf you're after the job board with the most monthly web traffic, look no further than Indeed. But if you've read some of the more disappointing reviews about this job website, or if you've ever sat idly in rush hour traffic, you know that heavy traffic isn't always a good thing. Indeed lets you post jobs for free, though it'll start to bill you once your job postings attract interest from job seekers. Meanwhile the site's resume database follows the conventional pricing format of monthly subscriptions. The site's pricing model for posting jobs makes it possible for anyone to try their hand at posting just about any type of legitimate job to the site. And that could explain the job seeker and employer complaints about a perceived higher concentration of temporary and part-time jobs on the site. Despite the complaints, there's still plenty to like about Indeed. It has one of the larger resume databases, plus it offers employers the ability to stand out in the crowd through sponsored ads — pay extra and they'll boost the visibility of your job postings. Other bright spots on Indeed include its candidate screening tools that can disqualify unqualified candidates via custom voice or text interview prompts. The site also includes video interviewing tools, a limited suite of applicant tracking tools and broad support for integrating third-party tracking systems. ProsYou don't have to look elsewhere for screening solutions and remote interviewing tools. There's also broad support for popular applicant tracking systems. ConsYou could find it harder to get the attention of skilled candidates. You won't reach job seekers who are turned off by Indeed. GlassdoorIf you're like most people, you think "employer reviews" when you think of Glassdoor. It's what the site excels at, it's what it's known for, and it's the reason a lot of job seekers may not think to check out the site's job board. Despite missing some key features, such as a resume database, Glassdoor still ranks among the best job search websites. The site shares reviews and ratings with Indeed, its sister site following a 2020 acquisition by their parent company Recruit Holdings. ProsCompany reviews help introduce your organization to potential candidates. Indeed integration combines reviews, ratings and billing into one platform if you opt to use both sites. ConsYou'll need to look elsewhere for resume searches, applicant tracking and other job board mainstays. Its biggest strength is business networking. But like Glassdoor, LinkedIn offers employers much more than its core product. The networking site has a full-featured job board, along with a hefty resume database and a native applicant tracking system that also supports third-party integrations. It's all packaged in the LinkedIn Talent Hub, which now combines its job board with its suite of recruiter tools. As for downsides, you might miss out on talent that doesn't want to share much, if anything, on a social network — not everyone will want to share their CV with the rest of the world. Also, their full set of services can fall on the pricey side of things for small and midsize businesses. ProsIt has all the requisite features of a job search site, while its business networking platform helps bring it all together. ConsMany qualified candidates may opt to search for jobs on other sites that don't include the social media elements of LinkedIn. Pricing could be prohibitive for small and midsize businesses. Simply HiredWant to cover more ground without the extra legwork? Like ZipRecruiter and other job search engines, SimplyHired lets you post job openings to more than one job board at a time. Unlike ZipRecruiter, however, SimplyHired lacks a few of the key features employers tend to demand of job sites. This job search website lacks a searchable resume database and its candidate screening solutions are limited compared to other job search sites. While its screening solutions may leave you wanting, one of SimplyHired's other bright and sunny spots includes its HR tools for onboarding new hires and managing existing employees. ProsYou can post to more than one job board at a time, and the site's HR tools make onboarding easier for companies with smaller staffs. ConsYou may miss basics, such as screening tools and a searchable resume database. Comparing the Top Job Search WebsitesWant to see how these job search sites stack up head-to-head? This chart highlights some of the key differences between each of these employment websites.
Final WordSo which job search site takes home the first-place trophy? To answer that question, you'll have to first ask a few qualifying questions about your organization's needs and objectives. What's your budget and target date for hiring? Job search sites with performance-based pricing models may remove barriers to entry, but you could save more with a subscription that includes all the tools and services you need. Sites that are more rounded in their solutions can also make hiring more efficient and expedient – you can tackle new problems with something from your toolbox, rather than having to run to the hardware store. How much infrastructure is required? While the job sites mentioned here are in the top tier for the North American market, several of them lack tools and features that are commonplace elsewhere. Determining whether you need a full-service recruitment solution can help inform your decision. If you are unsure or have any doubts about what you need, go with one of the more balanced job search sites. How easy is it to use? Ease of use is just as important for job seekers in their job search as it is for employers during recruitment. Job search websites like ZipRecruiter simplify things by allowing employers to post to over 100 job boards at once, while it empowers job seekers to search those same boards with its job search engine. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6 Best Hiring Platforms for Small Business Employers Posted: 01 Dec 2021 07:37 AM PST Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. From the outside looking in, any random Joe wouldn't think there's a difference when it comes to hiring a new employee for a global media conglomerate vs. a local real estate company. Why would there be? A hiring manager posts a job on any of the online hiring platforms. Then they wait for the applications to roll in, narrow down the most qualified candidates based on their resumes and cover letters and invite those people to interview. They pick one, make an offer and tada! A quality hire is made. Easy, right? But if you're a small business recruiter, hiring manager or — heck — an all-in-one owner, you know hiring top talent doesn't come as easily as it does to a Fortune 500 company. Your next great employee might not even be looking for your name when they start their job search. And you definitely don't have a team of 500 nationwide recruiters handling the hiring process for you. Being a small business owner means being smarter and more strategic when it comes to finding talented candidates to work for you. And that first strategic decision should be choosing the right job search engine to help you navigate everything from creating brand recognition to ranking candidates after their interviews. Didn't know those features came with just a simple job post? Read on to learn about the best hiring platforms for small business employers. ZipRecruiterZipRecruiter has only been around for a little over a decade, but it has already positioned itself as one of the top websites for small businesses. Companies that are hiring can create a job posting and find quality candidates through ZipRecruiter's easy-to-use hiring platform platform. Not only will ZipRecruiter's artificial intelligence algorithm find top talent for them, it will also syndicate each job posting to more than 100 other job search websites to open up the applicant pool even more. For small businesses that need extra hands and minds, ZipRecruiter can step in and be the (much cheaper) recruiter they need. ZipRecruiter was rated the No. 1 hiring site in the U.S. in 2020, earning the top spot, thanks to its ease-of-use for hiring teams in finding quality candidates. Some easy-to-use features include customizable templates for different positions and the ability to create screening questions for job candidates to streamline the interview process. It also uses AI to scan potential applicants in the ZipRecruiter resume database for top candidates on the employer's behalf. A unique feature small businesses can take advantage of is ZipRecruiter's pre-written job descriptions that make it easy for small businesses to post jobs and quickly help find a quality candidate. They can also swap out a job posting whenever an opening has been filled, instead of being stuck with a set time frame to keep each job posting live. ZipRecruiter has a mobile app, which lets employers create a job posting, screen candidates and contact support from anywhere. Support is available via phone, online chat or email. For a small business, being able to get help without needing a full-time account manager (usually only given to big companies spending lots of money on a job board's service) is key. GlassdoorGlassdoor goes beyond the typical job board and features employer branding solutions for companies in the hiring process and gives job seekers the ability to research companies before applying to the jobs posted. For a small business, this can be a huge opportunity to showcase themselves — especially against big companies with recognizable names. In addition to seeing the job criteria, job seekers can read more about potential companies, including their benefits and salary information — even what their recruitment process is like. Employers can post photos of the office and from team-bonding events, too, to give potential candidates a better understanding of what the company culture is like. A particularly unique feature of Glassdoor is that current and former employees (as well as people who have only interviewed with them) can leave reviews for other candidates to see. Pros, cons, feedback on the interview process and what can be done to improve all help job seekers get a more in-depth look into the company. Businesses then have the chance to respond to those reviews. As for size, there are 50 million unique monthly users on Glassdoor, making it one of the largest job boards out there. When hiring for more niche roles, Glassdoor is a great solution for employers looking to showcase their business and company culture. The ability to create a brand that job seekers are interested in can be a huge advantage during the recruiting process. Companies can create a brand page for free, as well as utilize the insights that Glassdoor provides to improve employee and interviewee experiences. With a paid membership, businesses can use premium features on Glassdoor, such as competitor comparisons, branded advertising to get in front of more qualified candidates, and review analysis. Because Glassdoor's main focus isn't the job search, but instead a branding site for companies, there aren't as many features for recruiters to utilize as there are on a job site like Indeed or ZipRecruiter. There's no applicant tracking system, nor can employers conduct a resume search. IndeedIndeed is the largest job-searching website in the world — there are tens of millions of employers posting jobs and hundreds of millions of job seekers hoping to find their next role. It's main and only focus is as a job-search engine. There are 63 million monthly users coming to Indeed to search for their next role. With such a large audience, it's a great place for small businesses to post their jobs. The likelihood of one of those 63 million people being in the right location with a great background is much higher than if they went with the more niche hiring platforms. Employers can post a basic job opening for free on Indeed, making it an ideal platform for hiring managers working on a budget. But as great as the free option is, that also means the competition is stiff to get your job opening seen. How many other employers are competing for the eyes of qualified candidates? Indeed's solution to that problem is a paid job post. For as little as a few bucks a day, even small business employers can post sponsored jobs and make sure they get in front of the right applicants. When you pay for a post, you can invite people to apply for your job after finding resume matches. Other free solutions for employers include adding screener questions and the ability to message and virtually interview candidates. Indeed also simplifies the screening process by grouping qualified applicants to the top of a dashboard, automatically declining applicants and helping to schedule interviews all within their website. For short-staffed small businesses, being able to handle everything in a single dashboard can be a helpful feature. MonsterMonster is one of the oldest hiring platforms, having aided in the hiring process for recruiters since 1999. If you're a small-business employer looking to find candidates, you can create a job posting on Monster and search through resumes to find qualified candidates. There is also an opportunity to syndicate open positions to other job boards with certain subscriptions. Since Monster was one of the first job search websites out there, it seems most employers have posted job listings on there at some point, to help in their recruiting process. It's a time-tested search engine, that's for sure! The key difference between Monster and some of the other job sites is that many features are only available with higher cost plans. For example, the ability to proactively search through resumes, text and email job seekers or narrow your search parameters can only be used when paying for a Standard or Premium plan. You can also reuse a job posting on Monster instead of having to recreate a new post for additional similar jobs. This can be a cost saver for small businesses, but there aren't as many features. LinkedIn is a professional networking site that doubles as a job board for people who have an account. Think of it like Facebook for professionals, and instead of listing furniture on the Facebook Marketplace, you can post open positions on the website's jobs tab. And while there are more than 700 million people using LinkedIn around the globe to network and learn, not all of them are searching for jobs. LinkedIn, while primarily a social networking site for professionals, has a Talent Solutions product to help companies find their next hire. It uses insights from the community to help match applicants to jobs. Similar to other job boards, companies can post a job for free or pay for a sponsored post to promote the position and get more applications, faster. But the pricing is dynamic, meaning different roles will cost more or less — so job postings for your next Vice President of Technology won't cost the same as an Associate Account Manager. People looking for jobs tend to do their own background research on the companies they're applying to, which almost always includes a LinkedIn search. By having jobs linked directly to the LinkedIn company page, applicants are able to make decisions more quickly about whether to apply or not. Small businesses can use this to their advantage and show off why working there is a great choice for a job seeker. By posting a job on LinkedIn, hiring teams are able to check out the LinkedIn profile of any potential hire, in addition to viewing their resume, and reach out to them proactively to apply for a job. Additionally, small businesses can post job listings from other websites (including other job sites included on this list like, ZipRecruiter) on their company profile without having to pay any fees. On the flip side, by posting jobs on LinkedIn, employers are limiting themselves to only people who have a LinkedIn account. CraigslistCraigslist is best known for being a local marketplace where people can find almost anything — furniture, rooms to rent, missed connections and even legal help. But a major portion of Craigslist's business is as one of the top-job hunting sites for part-time work, manual labor, side gigs or more. So if you're a small, local business needing these types of hires, Craigslist could be the right solution for your company. Craigslist is a cost-effective solution for employers looking to fill jobs. There are no subscriptions required, just a flat fee for each job posting. They don't even need to create an account to post jobs if they don't want to. There are no flashy features like team collaboration, resume searches or the ability to manage applicants. Job listings won't be syndicated to 100 other job boards like with ZipRecruiter, either. But if a hiring manager knows exactly what they're looking for, they can upload new job openings to the Craigslist website in a matter of minutes. Employers looking to hire on Craigslist can get an unlimited number of emails from potential candidates, but are unable to search through any sort of resume database to find local candidates themselves. ConclusionSo, which one of these job boards is best for a small business who needs to make a good hire, without going overboard on cost? Our vote is for ZipRecruiter. With all the available features, it makes recruiting as simple as it can be without a 50-person dedicated hiring team. Having its own artificial intelligence, pre-written job descriptions and 100 syndication choices are just a few of the reasons why we think small businesses will get the most bang for their buck with ZipRecruiter as they build out their teams. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| CareerBuilder vs Indeed: Which Site Helps You Find Job Seekers More Efficiently? Posted: 01 Dec 2021 07:25 AM PST Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. CareerBuilder and Indeed are two of the top job boards people search for new job opportunities, which makes them two of the best places for employers to fill job openings. One board dwarfs the other, yet you're likely to find a higher concentration of top tier talent on the smaller board. If only it were as simple as quality vs. quantity. In comparing CareerBuilder and Indeed, you'll find that the playing field is more level between these job boards than their traffic numbers and reach may indicate at first. Before you choose a winner and a loser, see how these two job posting sites stack up against one another. What is CareerBuilder?CareerBuilder is a job posting site that leverages a mix of custom tools, analytics, third-party software integration and flexible payment options to help employers find qualified candidates. The site offers employers access to over 80 million resumes and social media profiles. Like ZipRecruiter, it can share job postings with other job boards around the internet (to a lower extent). There are hiring solutions for companies of all sizes, from small businesses up to enterprise organizations. You can choose one of its tiered, full-service packages or build your own by picking the number of job ads and monthly resume searches you want. Helpful solutions, like its candidate-screening service, "Source and Screen," can enhance your recruitment campaign with candidate screening, job-post promotion, scheduling and branding. Smaller HR departments might find Source and Screen to be the most impactful add-ons offered by CareerBuilder. The program outsources branding, job post promotion, candidate sourcing and screening duties to a partner service. Pros:CareerBuilder offers a large database of resumes, access to linked social profiles, support for a host of third-party applicant tracking systems, automated emails and instrumental add-ons like candidate sourcing. Cons:It limits the number of resumes you can view monthly, while sites like ZipRecruiter offer unlimited views to make it easier to find the best candidates. Reach:CareerBuilder.com sees about 8.5 million U.S. users monthly and provides access to about 80 million candidate resumes. What is Indeed?Indeed is one of the most popular job posting sites around, and it has the monthly web traffic to back up that assertion. Indeed offers employers free job postings. You don't begin paying for them until people click on your job posting, which explains the sheer number of users the site attracts, as well as the large number of unskilled positions found on the site. You can set your own price caps to keep your recruitment campaign on budget. And you can also pay a little more for sponsored job ads to make your listing more visible, which you may need to do to avoid being lost in a sea of other job openings. Business pages provide another way for your organization and its job openings to stand out. Its core platform, the Indeed Hiring Platform, includes tools that help you keep track of candidates, schedule interviews and even host video interviews. You can easily invite others in your organization to join the platform, assign roles and share contacts. Indeed also has a well-rounded selection of screening tools, with automated written or video prompts, so you can spend more time reviewing qualified candidates and less time trying to figure out if they're at least capable of performing the job you need to fill. Pros:Indeed attracts a lot of job seekers. It offers solutions for every step of the recruitment process, along with robust support for third-party tracking solutions. Its screening tools and job-description templates can make recruiting a lot more efficient for companies with smaller HR teams and those who hire in bunches. Cons:You may have to sift through a lot more unqualified candidates due to the sheer volume the site sees. Its native applicant tracking system may not be as well-rounded as other job sites. Reach:Indeed sees roughly 600 million users monthly, according to reports. Its database offers access to more than 200 million resumes. Feature Comparison: CareerBuilder vs. Indeed
Pricing: How Much Each Will Cost YouEach site's job-post pricing models differ significantly, but you can still get an idea of how their subscription services compare when you compare them head-to-head. Indeed:
CareerBuilder:
FAQsIn case you still have more question marks about how Indeed and CareerBuilder compare, we pulled a few of the top questions about these two job sites from around the web. Why is Indeed so bad?It's one of the most popular job boards around for good reasons, lots of them. It offers more of everything — more to like and more not to like. Its sponsored job postings, robust third-party support, screening solutions and remote interview tools attract lots of highly skilled job applicants – such as those with a college education or advanced certifications. Its job-description templates and low-cost options for posting jobs draw a lot of low-level positions and many of the negative opinions about the site. Is CareerBuilder good?Like Indeed, there's a lot to like and dislike about CareerBuilder. It's considerably smaller than sites like LinkedIn, ZipRecruiter and Indeed. However, CareerBuilder has more of a boutique feel with bespoke recruitment solutions and lots of add-ons, such as outsourced screening solutions and AI-based talent discovery tools. When to choose Indeed?Indeed is a solid option for recruitment campaigns of all sizes. It offers more flexible payment plans than CareerBuilder, and it's just as well-rounded in the features department. However, a major complaint about Indeed is its lower concentration of highly-skilled job seekers. Consider a site like ZipRecruiter for a higher concentration of advanced talent or to reach potential candidates on more than just one job board. When to choose CareerBuilder?This job posting site may make more efficient use of your recruitment dollars if you're recruiting multiple, highly-skilled job seekers. However, Indeed offers a much deeper pool of job seekers in general. Decision TimeWant to comb through a conga line of candidates of all skill levels, or put together your shortlist as efficiently as you can? That's the 10,000-foot-view difference between Indeed and CareerBuilder, respectively. With Indeed, small and midsize businesses have more flexibility to right-size their recruitment campaigns. But they may find that CareerBuilder has the add-on services and tools that make all the difference. Neither site is perfect, however. One of the biggest downsides to both sites is that they both focus on attracting talent rather than reaching job seekers on job boards all across the web — that's critical as remote work matures into something that's here to stay. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Dear Penny: Can My Evil Ex-Husband of 38 Years Buy Life Insurance on Me? Posted: 01 Dec 2021 07:00 AM PST Dear Penny, My ex is a gold digger, on top of being financially rich. Our son had brain cancer for four and a half years. I took care of him his entire life from age 10, including the four and a half years of brain cancer as an adult alone. I need to know if my ex of 38 years is legally allowed to take out an insurance policy. He was never, ever involved in our children's lives. He disappeared when our sons (twins) were 10 years old. We did not hear from him until our sons were 18. My ex even professed to say he "did not know him" after our son was buried and my ex left. I paid for my son's life, college, funeral and burial expenses, etc. Because of this, I never had any money left over to take out a life insurance policy on any of my children or even myself. Can I get any money from my extremely rich ex of 38 years? Can my ex of 38 years take out and collect on any life insurance policies on the twins and daughter and me? ALL he thinks about is money. He lives in a gated Florida community where houses are $800,000 to $100 million. ALL his second wife thinks about is herself. Even at my son's funeral she thought of only herself. Is there any money or benefits from my ex for me? -J. Dear J., You've experienced a heartbreaking loss. I understand why you want to be sure that your ex-husband didn't profit off the death of your son, especially since he's led a lavish lifestyle while you struggled as a single parent. To take out a life insurance policy on someone else, you need to have an insurable interest in their life. What this means is that you'd suffer financial harm in the event of their death. Parents are presumed to have an insurable interest in the lives of their minor children. In fact, some parents and grandparents buy whole life insurance for infants as a hybrid savings vehicle and insurance policy. Spouses are also presumed to have an insurable interest in each other's lives. Ex-spouses do as well in some cases. For example, some divorce decrees will require an ex-spouse to buy life insurance and make the other person the beneficiary if they've been ordered to pay child support or alimony. But to buy life insurance on an adult, you also need their knowledge and consent. Essentially, here's what all this means for you and your kids: There's a chance your ex could have taken out life insurance on your children when they were minors. But he would have needed their permission to buy a policy on them as adults. As for you, he wouldn't have been allowed to buy insurance on your life unless you consented to it or it was ordered as part of a divorce settlement. There's always the small chance your ex-husband could have taken out a fraudulent policy. If you suspect that this occurred, you can contact your state's insurance bureau or use the MIB's website to search for a policy in your name. (MIB is an insurance consumer reporting agency previously known as the Medical Information Bureau.) Unfortunately, it doesn't sound like you have much recourse for getting money out of your ex-husband after 38 years. But if he failed to make court-ordered child support or alimony payments, it may be worth consulting with a family attorney. Also, since you say your ex is wealthy, you may be able to collect more Social Security based on his record, rather than your own. The fact that he has remarried is irrelevant. If your marriage lasted at least 10 years and you're not married, this could be an option. It doesn't sound like you have any reason to be involved with your ex-husband if your kids are all adults. Try to limit the information you receive about him and his second wife. Resist the urge to Google them or look them up on social media if you can. What you find will only make you angry. If your children have any contact with them, you can ask that they only relay information on a need-to-know basis. As hard as this is, I think you need to let go of any hope that this man will make you financially whole. You stepped up for your children and did the job of two parents. I hope you take pride in that. Robin Hartill is a certified financial planner and a senior writer at The Penny Hoarder. Send your tricky money questions to AskPenny@thepennyhoarder.com. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| How to Find Out Your 2022 Social Security Increase Early Posted: 01 Dec 2021 06:29 AM PST The Social Security Administration will start sending out 2022 cost-of-living adjustment (COLA) notices by mail throughout December. But if you want to see your new benefit amount sooner, you can check your notice online by logging into your MySocialSecurity account. The information will be available starting in early December, according to the Social Security Administration. You can find your COLA notice in the message center. If your COLA isn't available online yet, you can get an update as soon as it's posted by enabling account notifications. Simply log into your My Social Security account, then select email or text notifications under message center preferences. Roughly 70 million Americans will see a 5.9% bump in their monthly Social Security benefits and Supplemental Security Income payments next year. It's the largest cost-of-living adjustment in nearly 40 years. How to Create a My Social Security AccountIf you don't already have an account, you can create one anytime. However, only beneficiaries who created an account prior to Nov. 17 will receive their 2022 COLA notice online. It's a good idea to create an online account for other reasons, too — especially if you receive Social Security or SSI benefits. With a MySocialSecurity account you can also:
To create an account, you'll need to do the following:
Whether you have an online account or not, you can expect to receive a paper notice in the mail in upcoming weeks. How Much Money Will the Average Social Security Recipient Get in 2022?The 2022 COLA increase is the biggest since 1982. Here's what that looks like for the average recipient:
Have questions? We have answers about how Social Security works. Why Your 5.9% COLA Might Not Go FarThe Social Security COLA is tied to inflation. The annual increase is meant to offset the rising cost of everyday essentials like food, housing and gas. Yet Social Security COLAs have historically lagged behind inflation — including this year. The Consumer Price Index, a government measure for the change in prices over time, hit 6.2% in October — so the 5.9% COLA already falls short. Higher Medicare costs in 2022 will likely erode the new Social Security adjustment even further. Most Medicare beneficiaries have their monthly Part B premium automatically deducted from their Social Security checks. On Nov. 12, the Centers for Medicare & Medicaid Services announced that Part B premiums are increasing by $21.60 a month in 2022 — the biggest one-year increase in Medicare history. Medicare beneficiaries are also facing higher Part A and Part B deductibles next year. On a fixed income? Learn more about the 2022 Medicare premium increase — along with steps you can take to lower your health care costs. Rachel Christian is a Certified Educator in Personal Finance and a senior writer for The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. This posting includes an audio/video/photo media file: Download Now | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 22 Best Bank Promotions, Bonuses and Offers - December 2021 Posted: 01 Dec 2021 05:00 AM PST Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. So, you're looking for a new bank account. You've got several factors to consider — ATM access, interest rates, monthly account fees, minimum balances, online bill payments and more. Another factor: sign-up promotions and bonuses. Banks and credit unions frequently run promotions to entice prospective customers to open a new account — and they often come with cash. You have to meet specific criteria, such as making a minimum opening deposit, and generally the account must remain open for a certain amount of time — at least long enough to earn the cash bonus. Many banks offer such sign-up bonuses, but often, they aren't advertised. We did some digging to find the best bank promotions currently on offer. Best Checking and Savings Account Offers of December 2021Keep an eye on what each promotion requires, as well as any limitations. Recurring direct deposits and maintaining a minimum balance are common requirements in securing bank bonuses. Also pay attention to any monthly fees the account might carry; over time, these could weigh out the actual cash bonus. Otherwise, happy bank bonus shopping! 17 Bank Promotions That Give you Cash
Aspiration AccountBest for Financial Beginners  Key Features
Once you open a new account, Aspiration will send you a debit card. Use it to make at least $1,000 of cumulative transactions within 60 days of account opening. The FDIC-insured account offers up to 1.00% APY on savings accounts and allows fee-free withdrawals at more than 55,000 ATMs. You'll earn up to 5% cash back when you make debit purchases at socially conscious businesses. Aspiration Account  Bonus amount $150 How to get it Open a new account and make a minimum opening deposit of at least $10. When you get it Within 120 calendar days of opening. More information Monthly fees are on a "Pay What is Fair" policy. Expiration None The Aspiration Account boasts unlimited fee-free ATM withdrawals at all in-network (Allpoint) ATMs, plus up to 5% cash back on Conscience Coalition debit card purchases. You can even opt to plant a tree with every purchase roundup. You can access your paycheck up to two days early and earn up to 1.00% APY on your savings. Aspiration Plus AccountBest for Socially Conscious Clients  Key Features
Once you open a new account, Aspiration will send you a debit card. Use it to make at least $1,000 of cumulative transactions within 60 days of account opening. The FDIC-insured account offers up to 1.00% APY on savings accounts and allows fee-free withdrawals at more than 55,000 ATMs. You'll earn up to 10% cash back when you make debit purchases at socially conscious businesses. Aspiration Plus Account  Bonus amount $200 How to get it Open a new account and make a minimum opening deposit of at least $10. When you get it Within 120 calendar days of opening. More information $15 monthly fee. Expiration None The Aspiration Plus Account boasts unlimited fee-free ATM withdrawals at all in-network (Allpoint) ATMs, plus up to 10% cash back on Conscience Coalition debit card purchases. You can even opt to plant a tree with every purchase roundup and get carbon offsets for your gas purchases with Planet Protection. You can access your paycheck up to two days early and earn up to 5.00% APY on your savings. Chase Total Checking AccountBest for Basic Checking Key Features
The Total Checking $12 monthly fee can be waived if you receive monthly direct deposits totaling $500 or more, keep a daily minimum balance of at least $1,500 in your new checking account, or keep a daily minimum balance across all your Chase accounts of at least $5,000. Deposits via person-to-person payments do not qualify. Access to 16,000 ATMs and more than 4,700 branches. Chase Total Checking Account  Bonus amount $225 How to get it Receive a qualifying direct deposit within 90 days of account opening. When you get it Within 15 business days of opening. More information $12 monthly fee, which can be waived. Expiration Jan. 19, 2022 The Chase Total Checking account gets you access to more than 4,700 branches nationwide, plus 16,000 ATMs. The easy-to-use mobile app is highly rated. While Chase does charge a $12 monthly service fee, you can waive it by earning $500+ in monthly direct deposits, maintaining a daily balance of $1,500+ or having $5,000 across all your Chase accounts at the start of each day. Any of these options qualify you for the $225 checking account bonus offer while avoiding the monthly fee. TD Bank Convenience Checking AccountBest for Financial Beginners Key Features
This checking option is good for financial beginners to manage. You only need to maintain a minimum balance of $100 to have the monthly maintenance fee waived. And if you are between the ages of 17 and 23, there are no minimum balance requirements and no monthly fees. The Convenience Checking account does not earn interest. TD Bank Convenience Checking Account  Bonus amount $150 How to get it Receive direct deposits of at least $500 within 60 days of account opening. When you get it Within 140 days of opening. More information Monthly fee waived with $100 minimum balance. Expiration None The TD Bank Beyond Checking Account's monthly maintenance fee is steep at $25, but you have three easy ways to waive it (the $2,500 daily balance might be the easiest). Beyond Checking offers two overdraft fee reimbursements a year and no ATM fees, even for out-of-network ATMs (as long as you've got that $2,500 balance). Though the account boasts that it earns interest, the growth is inconsequential at 0.01% APY. TD Bank Beyond Checking AccountBest for Clients with Big Balances  Key Features
The monthly maintenance fee on this personal checking account is waived with monthly direct deposits of at least $5,000, a minimum daily balance of $2,500 or a combined balance across all your TD Bank checking and savings accounts of $25,000. You won't face fees for making withdrawals at TD Bank ATMs, and it'll reimburse non-TD ATM fees if you keep a minimum daily balance of at least $2,500. TD Bank Beyond Checking Account Bonus amount $300 How to get it Open a new account and receive direct deposits of at least $2,500 within 60 days. When you get it Within 140 days of opening. More information Monthly fee waived with $5,000 in direct deposits or $2,500 daily balance. Expiration None The TD Bank Beyond Checking Account's monthly maintenance fee is steep at $25, but you have three easy ways to waive it (the $2,500 daily balance might be the easiest). Beyond Checking offers two overdraft fee reimbursements a year and no ATM fees, even for out-of-network ATMs (as long as you've got that $2,500 balance). Though the account boasts that it earns interest, the growth is inconsequential at 0.01% APY. Chime Referral BonusBest for Referral Bonus Key Features
If you refer a friend and they open a new account and receive a direct deposit of at least $200 in the first 45 days, you will each receive $75. Make sure to use the referral link from your account to get the cash bonus. Chime is great for beginners, offering fee-free overdraft, automatic savings account, early paycheck deposit and 60,000+ fee-free ATMs. Chime Referral Bonus Account  Bonus amount $100 per referral, plus $100 to the friend you refer How to get it Referred friend receives $200 direct deposit. When you get it Within two business days of account opening. More information Be sure to use a unique referral link from your own account. Expiration None Though not technically a bank, Chime is becoming increasingly popular as an online financial institution for banking customers of all ages. Top features include early access to direct deposit, fee-free overdraft, 60,000+ ATMs, a 0.50% APY¹ — 8x the national average² — for the high-yield savings and plenty of features to automatically grow your savings. Alliant Ultimate Opportunity SavingsBest for Fans of Suze Orman Key Features
Not only does Alliant Credit Union's Ultimate Opportunity Savings Account (in partnership with Suze Orman) have one of the best APYs currently available (0.55%), it pays out its bonus pretty easily. No massive balances or monthly direct deposits to think about. Alliant Opportunity Savings  Bonus amount $100 How to get it Deposit at least $100 a month for 12 months. When you get it Within four weeks of completion. More information Balance must be $1,200 at the end of 12 months. Expiration Dec. 31, 2021 The Ultimate Opportunity Savings Account from Alliant Credit Union has a lot to like: 80,000+ fee-free ATMs, no monthly fees if you opt in to online statements, a leading mobile app, and a strong APY at 0.55%. Bank of America Advantage AccountBest for Standard Checking Key Features
Open your Bank of America checking account online using the promo code DDX100CIS. Qualifying direct deposit must be regular monthly income, such as salary or pension payments. Bank of America Advantage Banking accounts come in three levels: SafeBalance, Plus and Relationship. All three carry Bank of America monthly fees that can be waived by meeting direct deposit and minimum balance requirements. Bank of America Advantage Account  Bonus amount $100 How to get it Receive direct deposits of at least $1,000 within 90 days. When you get it Within 60 days of account opening. More information Monthly fees can be waived. Expiration Dec. 31, 2021 Bank of America's Advantage account is broken into three tiers: SafeBalance Banking, Plus Banking, and Relationship Banking. SafeBalance boasts no overdraft fees or non-sufficient funds fees; Plus offers multiple ways to waive the monthly service fee; and Relationship earns interest (though the percentage is quite low). BMO Harris Smart Advantage AccountBest for Fee-Free ATM Network Key Features
Get a $200 bonus for opening a new BMO Harris Smart Advantage account and earning at least $4,000 in qualifying direct deposits within 90 days. The bank has physical branches in Indiana and you have to live in IL, IN, MN, WI, MO, KS, AZ or FL to take advantage of this account, which grants you unlimited fee-free transactions at over 40,000 Allpoint network ATMs in the U.S. BMO Harris Smart Advantage Account  Bonus amount $200 How to get it Receive direct deposits of at least $4,000 within 90 days. When you get it Approximately 100 days after opening. More information Monthly fees can be waived with paperless statements. Expiration Jan. 28, 2022 Smart Advantage is BMO Harris' most popular checking account. It requires no minimum balance, charges no monthly fees when you opt for paperless statements and gets you fee-free access to 40,000+ ATMs nationwide with the Allpoint network. BMO Harris Smart Money AccountBest for No Minimum Balance Key Features
Get a $200 bonus for opening a new BMO Harris Smart Money account and earning at least $4,000 in qualifying direct deposits within 90 days. The bank has physical branches in Indiana and you have to live in IL, IN, MN, WI, MO, KS, AZ or FL to take advantage of this account, which grants you unlimited fee-free transactions at over 40,000 Allpoint network ATMs in the U.S. BMO Harris Smart Money Account Bonus amount $200 How to get it Receive direct deposits of at least $4,000 within 90 days. When you get it Approximately 100 days after opening. More information There is a monthly fee if you're over 25. Expiration Jan. 28, 2022 Like Smart Advantage, BMO Harris' Smart Money has no minimum balance required. It's also noteworthy for having no overdraft or NSF fees. With this account, you will get unlimited fee-free transactions at in-network ATMs (40,000+ nationwide). However, you'll pay a monthly fee if you're 25 or older. BMO Harris Premier AccountBest for High Interest Possibility Key Features
Get a $350 bonus for opening a BMO Harris Premier account and earning at least $7,500 in qualifying direct deposits within 90 days. You have to live in IL, IN, MN, WI, MO, KS, AZ or FL to take advantage of this account, including its fee-free ATM access. The more you have in the account, the more interest you earn. Monthly maintenance fee can be waived if certain requirements are met. BMO Harris Premier Account Bonus amount $350 How to get it Receive direct deposits of at least $7,500 within 90 days. When you get it Approximately 100 days after opening. More information Monthly maintenance fees can be waived. Expiration Jan. 28, 2022 The highest bonus at BMO Harris comes from the Premier Account with Relationship Packages that reward you with more perks for banking more with BMO. The account earns interest, and the amount you earn increases with the amount of funds in the account. You also get unlimited access to any ATMs, in-network or not. Fifth Third Checking AccountBest for Early Paycheck Access Key Features
Fifth Third Bank is a regional bank with a decent checking account. Its lack of fees, Extra Time overdraft fee avoidance feature, fraud protection, early access to paychecks and physical branches are all highlights, but its low APY (0.01%) and limited branch network (FL, GA, IL, IN, KY, , MI, NC, OH, SC, TN, and WV) work against the bank. Fifth Third Checking Account  Bonus amount $300 How to get it Open a new account and make direct deposits totaling $500 or more within the first 60 days. When you get it Within 10 days of meeting bonus criteria More information Overdraft fee avoidance feature still requires that you quickly respond to avoid overdraft fees of $37 Expiration December 31, 2021 Fifth Third's checking account boasts immediate funds for all check deposits, Extra Time for overdraft fee avoidance, early paycheck access, no minimum balance and no hidden fees. The account also offers basic fraud protection services and unlimited check writing. Discover Bank Online Savings AccountBest for APY Earnings Key Features
Discover Bank's Online Savings Account offers a respectable APY, 8x higher than the national average. You can also pair the account with the Discover Cashback Debit account (one of the best online checking accounts of 2021). However, the deposit amounts to earn the bonus are quite high, making the bonus offer far less achievable for most. Discover Bank Online Savings Account  Bonus amount $150 or $200 How to get it Open account using code BR21 and deposit at least $15,000 (for $150) or $25,000 (for $200) within 30 day When you get it Within 30 days of meeting bonus criteria More information Must be a first-time Discover savings account customer Expiration December 15, 2021 The Discover Bank Online Savings Account offers a competitive APY (0.40%) with interest compounded daily instead of monthly. THere's no monthly fee with Discover, no minimum deposit and no insufficient funds fee. All in all, not a bad offer. Huntington Asterisk-Free CheckingBest Regional Bonus Key Features
This offer is only available to customers who live in IL, IN, KY, MI, OH, PA or WV). This account does not earn interest. Huntington Asterisk-Free Checking  Bonus amount $150 How to get it Open a new account and make deposits totaling $1,000 within the first 60 days. When you get it Within 14 days of meeting bonus criteria. More information Account must remain open for at least 90 days. Expiration Oct. 7, 2021 Huntington's Asterisk-Free Checking Account doesn't pay out any interest, but the lack of a monthly maintenance fee does make it appealing for an easy checking account. Key features include mobile banking, the No Overdraft Fee $50 Safety Zone and the 24-Hour Grace Overdraft and Return Fee Relief. Huntington 5 Checking AccountBest for Quick Bonus Payout Key Features
This offer is only available to customers who live in IL, IN, KY, MI, OH, PA or WV). This account does not earn interest. This account earns interest (currently a 0.02% APY, which is quite low). It also has a monthly maintenance fee of $5, which is waived if you have at least $5,000 across every Huntington bank account. Huntington 5 Checking Account Bonus amount $200 How to get it Open a new account and make deposits totaling $1,000 within the first 60 days. When you get it Within 14 days of meeting bonus criteria. More information Account must remain open for at least 90 days. Expiration Oct. 7, 2021 While the Huntington 5 account does have a monthly $5 fee, you can waive it by having $5,000 across accounts with Huntington. By upgrading to this account, you'll get a higher bonus and ear 0.02% interest on your balance. Plus, you get five free ATM withdrawals. HSBC Premier Checking AccountBest for Foreign Transaction Fees Key Features
The HSBC Premier checking account is a solid checking account. While it's billed as fee-free, it does have a monthly maintenance fee, but you can waive it by maintaining at least $75,000 across accounts, getting $5,000+ in monthly direct deposits, having an HSBC loan of $500,000+ or maintaining Jade status. With this account, you can also travel worry-free with no foreign transaction fees. HSBC Premier Checking Account  Bonus amount $450 How you get it Make qualifying direct deposits of $5,000+ a month for three consecutive months. When you get it Within eight weeks of completing qualifying activities. More information Subject to monthly maintenance fee of $50 unless conditions are met. Expiration Jan. 5, 2022 The HSBC Premier account provides one of the best checking account offers at $450, but it's also a lot less attainable for average Americans. The $75K minimum balance across all HSBC accounts and investments, for example, is a hard criterion to meet to waive the monthly fee. Some more attainable accounts include Advance, Choice Checking and Basic Banking, but you'll lose out on the bonus opportunity. PNC Virtual WalletBest for ATM Power Users Key Features
The PNC Virtual Wallet includes three different Spend accounts: the baseline account, Performance Spend and Performance Select. All three require no minimum balance to open and get you access to 18,000 ATMs nationwide. The premium Performance Select account also reimburses fees at out-of-network ATMs. PNC Virtual Wallet  Bonus amount Up to $300 How you get it Qualifying direct deposits must be received within 60 days of account opening. When you get it 60 to 90 days after meeting bonus conditions. More information Monthly service fees ranging from $7 to $25 if conditions aren't met. Expiration Dec. 31, 2021 PNC bonus offers are based on amounts of qualifying direct deposits and the offer is good in 22 states across the country. Your Zipcode will be used to determine if you are in a participating state. Earn a $50 for making $500+ in direct deposits into the Virtual Wallet account; $200 for receiving $2,000+ in direct deposits into the Virtual Wallet with Performance Spend account; or $300 for receiving $5,000+ in direct deposits into the Virtual Wallet with Performance Select account. To waive the Virtual Wallet monthly maintenance fee ($7), earn $500+ in monthly direct deposits to the Spend account or maintain a $500+ monthly balance across the Spend + Reserve accounts. If you're 62 or older, the fee is automatically waived. This account is available for people who reside in CA, TX, AZ, NM, CO, PA, FL, OH, WV, DE, NJ, SC, NC, GA, KY, IN, MI, IL, MD, DC, WV, WI. PNC Virtual Wallet Checking ProBest for ATM Power Users Key Features
The PNC Virtual Wallet Checking Pro account includes two different Spend accounts: the baseline Spend account (checking only) and Spend, Reserve & Growth. Neither requires a minimum balance to open; neither charges a monthly fee; and both get you access to 18,000 ATMs nationwide. PNC Virtual Wallet Checking Pro Bonus $200 How you get it Qualifying direct deposits of $2,000 must be received within 60 days of account opening. When you get it 60 to 90 days after meeting bonus conditions. The fine print This is a geographic-based offer; must be in a qualifying state. Expiration Dec. 31, 2021 PNC bonus offers are based on amounts of qualifying direct deposits, and this offer is good in specific states throughout the country. Your ZIP Code will be used to determine if you are in a participating state. Regardless of whether you open the Virtual Wallet Checking Pro account with Spend only (checking account) or with Spend, Reserved & Growth (savings account), you will be eligible for a $200 bonus should you receive $2,000 in direct deposits Unlike the Virtual Wallet account above offered in other states, this account does not charge a monthly service fee. This offer is only available to residents of AR, CT, IA, ID, KS, LA, MA, ME, MN, MS, MT, NE, NH, ND, NV, OK, OR, RI, TN, UT, VT, WA and WY. Key Bank Smart Checking AccountBest for No Fees Key Features
This basic checking account from Key Bank is great for financial beginners. It carries no minimum balance requirement and charges no monthly fees. Plus, you'll get unlimited access to Key Bank and Allpoint ATMs. To open the account, you just need $10. Key Bank Smart Checking Account  Bonus amount $200 How you get it Open account with offer code ONAS1021 and earn one direct deposit of at least $500 within the first 60 days. When you get it Approximately 90 days after meeting requirements. The fine print The offer is only redeemable online. Expiration Dec. 10, 2021 The Key Smart Checking account is a great account because of its lack of fees. While the account does not earn interest, most interest-bearing checking accounts hold a negligible APY anyway. Key Bank's partnership with Allpoint gets you access to more than 40,000 ATMs nationwide. Key Bank Advantage Checking AccountBest for Earning Interest Key Features
This checking account from Key Bank offers a variable APY, meaning you'll actually earn interest in your checking account. While there is an $18 monthly service fee, you can easily waive it by maintaining at least $10,000 across Key accounts. Plus, you'll get unlimited access to Key Bank and Allpoint ATMs. Key Bank Advantage Checking Account Bonus amount $200 How you get it Open account with offer code ONAS1021 and earn one direct deposit of at least $500 within the first 60 days. When you get it Approximately 90 days after meeting requirements. The fine print There is a waivable monthly maintenance fee. Expiration Dec. 10, 2021 The Key Advantage Checking account is an ideal option for the APY, but if a small interest rate on your checking account is not crucial to you and you can't maintain $10,000 across Key accounts, stick with the Smart Checking account. Key Bank's partnership with Allpoint gets you access to more than 40,000 ATMs nationwide. Key Bank Privilege Checking AccountBest for ATM Users Key Features
The advantage of upgrading to a Privilege account is ATM fee reimbursements. While you've got access to 40,000 in-network ATMs, the Privilege account also gives you ATM fee rebates up to $6/month. To waive the monthly maintenance fee of $25, you must have at least $25,000 across Key accounts. Key Bank Privilege Checking Account Bonus amount $200 How you get it Open account with offer code ONAS1021 and earn one direct deposit of at least $500 within the first 60 days. When you get it Approximately 90 days after meeting requirements. The fine print There is a waivable monthly maintenance fee. Expiration Dec. 10, 2021 The Key Privilege Checking account is ideal for ATM users. Not only do you get access to 40,000 in-network ATMs, but you can also get $6 in out-of-network ATM fee rebates each month. The interest rate is variable and usually low, and the monthly maintenance fee is steep ($25) and can be challenging for many to waive. But hey, at least the checks are free from this account. For those who invest through Key, this account does automatic daily sweeps and preferred pricing. Key Bank Privilege Select CheckingBest for Those with Large Savings Key Features
Key's highest checking account offers some cool perks, like unlimited ATM fee reimbursement and variable interest rates. However, the monthly maintenance fee is high ($50) and challenging for most casual customers to waive (maintain a balance of at least $100,000 across Key accounts). Key Bank Privilege Select Checking Bonus amount $200 How you get it Open account with offer code ONAS1021 and earn one direct deposit of at least $500 within the first 60 days. When you get it Approximately 90 days after meeting requirements. The fine print There is a waivable monthly maintenance fee. Expiration Dec. 10, 2021 The Key Privilege Select Checking account is ideal for ATM users with unlimited ATM fee reimbursements for out-of-network usage. The interest rate is variable and usually low, and the monthly maintenance fee is steep ($50) and can be challenging for many to waive. But hey, at least the checks are free from this account. For those who invest through Key, this account does automatic daily sweeps and preferred pricing. How to Search for a Checking Account Bonus on Your OwnInstead of listing approximately 193 bank promotions, we kept this list short and sweet — only highlighting the best bank promotions for checking and savings accounts. But maybe you're interested in banking with your local credit union, opening a small business checking account or exploring what investment accounts are available. There are often cash bonuses attached to these accounts too. Banks don't always make finding these promotions easy, so here are a few tips to help you get your hands on that cash bonus.
Overall, be smart. Don't let the promise of a cash bonus blind you. Read the fine print so you don't get stuck paying high monthly fees, interest rates or closing penalties. With the proper due diligence, you can earn a checking account bonus — or any other bank promotion — while also choosing the best bank for you. Will Opening a Bank Account Hurt Your Credit Score?If you're worried that opening a new bank account or closing an old one will hurt your credit score, don't be. Your bank accounts are not included in your credit report and therefore have no effect on your credit score, unless you have an outstanding negative balance that the bank turns over to a collection agency. Sometimes when you go to open a new account, banks will do a soft credit check. However, that won't affect your credit score. Timothy Moore covers bank accounts for The Penny Hoarder from his home base in Cincinnati. He has worked in editing and graphic design for a marketing agency, a global research firm and a major print publication. He covers a variety of other topics, including insurance, taxes, retirement and budgeting and has worked in the field since 2012. Editorial Disclosure: This content is not provided by the bank advertiser. Opinions expressed here are the author's alone, not those of the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program. ¹The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest. ²The average national savings account interest rate of 0.06% is determined by FDIC as of November 1, 2021 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. This posting includes an audio/video/photo media file: Download Now |
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