How To Make Your Money Work Harder For You

If you had the opportunity to earn over three times as much as you are right now, would you do it?

Of course you would! Who wouldn't want to earn as much as they could, provided it required no hidden costs or extra work.

Though it may seem like a simple question, most Americans are constantly passing up the opportunity to earn 3% or more on the money in their bank account, even though it costs nothing and takes five minutes to setup.

It seems like everyone you meet still has their money in a normal checking or savings account, that pays less than 1% interest per year. It boggles the mind to think that so many people would pass up the opportunity to earn upwards of 3% per year APY, especially when it's so easy to open an account.

Higher-interest savings accounts, like the Orange Savings Account from ING Direct ( ) take 5 minutes to open, charge no fees, and require no minimum balance. You can transfer the money electronically as much as you'd like between your normal checking account, and your online savings account. There is no better way to earn a nice return on your money with no risk at all.

While most banks are keeping their interest rates low and steady, online banks are constantly raising their rates, in an effort to compete for customers. These banks charge you nothing, and pay you _dollars_ every month, instead of cents.

Earning over 3% interest is as easy as opening an account, and linking it to your current checking account. You can transfer money back and forth easily, and without any fees, and your cash is as safe as it would be in the bank down the street!

It's easy to make excuses, but no one has a good reason why they should continue to earn peanuts on their savings, when they could be earning cold hard cash.

Don't put this off. The sooner you open this account, the sooner you'll be earning some real interest on your hard-earned money.

About the author:
Robert Dickson Writes For,
The Personal Finance Resource.
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